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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 | $82,111 | $106,864-23.2% | $147,318-44.3% | $82,637-0.6% |
| Participation rate | 56.7% | 75.5%-18.8pp | 82.1%-25.4pp | 68.1%-11.4pp |
| Annual return | 14.94% | 27.49%-12.5pp | 70.43%-55.5pp | 53.51%-38.6pp |
| Employer contribution / active EE | $1,769 | $3,417-48.2% | $4,593-61.5% | $2,552-30.7% |
| Participant deferral / active EE | $5,014 | $6,496-22.8% | $7,906-36.6% | $4,126+21.5% |
| Admin fee / account holder | $8,148 | $8,415-3.2% | $13,708-40.6% | $7,339+11.0% |