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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 | $59,185 | $110,337-46.4% | $102,383-42.2% | $145,877-59.4% |
| Participation rate | 66.7% | 77.9%-11.3pp | 74.5%-7.8pp | 80.3%-13.6pp |
| Annual return | 9.37% | 24.83%-15.5pp | 24.94%-15.6pp | 551.28%-541.9pp |
| Employer contribution / active EE | $9,395 | $4,216+122.8% | $3,870+142.8% | $4,663+101.5% |
| Participant deferral / active EE | $12,379 | $5,621+120.2% | $5,060+144.7% | $6,691+85.0% |
| Admin fee / account holder | $3,524 | $9,750-63.9% | $8,391-58.0% | $13,402-73.7% |