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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $65,666 | $232,540-71.8% | $185,117-64.5% | $147,586-55.5% |
| Participation rate | 69.2% | 82.4%-13.1pp | 77.3%-8.0pp | 82.8%-13.6pp |
| Annual return | 17.44% | 43.03%-25.6pp | 40.50%-23.1pp | 578.59%-561.2pp |
| Employer contribution / active EE | $2,946 | $5,195-43.3% | $4,182-29.5% | $4,876-39.6% |
| Participant deferral / active EE | $4,974 | $5,834-14.7% | $5,045-1.4% | $5,439-8.5% |
| Admin fee / account holder | $320 | $10,275-96.9% | $8,159-96.1% | $10,886-97.1% |