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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 | $71,521 | $162,812-56.1% | $133,971-46.6% | $158,966-55.0% |
| Participation rate | 68.4% | 83.2%-14.8pp | 79.8%-11.4pp | 82.0%-13.5pp |
| Annual return | 10.01% | 41.94%-31.9pp | 45.09%-35.1pp | 302.95%-292.9pp |
| Employer contribution / active EE | $2,849 | $4,976-42.7% | $3,919-27.3% | $4,762-40.2% |
| Participant deferral / active EE | $3,905 | $5,910-33.9% | $5,047-22.6% | $5,983-34.7% |
| Admin fee / account holder | $3,338 | $11,741-71.6% | $8,929-62.6% | $11,250-70.3% |