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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 | $64,095 | $117,846-45.6% | $102,434-37.4% | $145,884-56.1% |
| Participation rate | 59.1% | 78.6%-19.5pp | 76.5%-17.4pp | 80.3%-21.2pp |
| Annual return | 18.24% | 31.90%-13.7pp | 29.46%-11.2pp | 551.85%-533.6pp |
| Employer contribution / active EE | $2,805 | $3,615-22.4% | $3,023-7.2% | $4,662-39.8% |
| Participant deferral / active EE | $4,611 | $5,733-19.6% | $5,055-8.8% | $6,690-31.1% |
| Admin fee / account holder | $2,065 | $13,356-84.5% | $9,462-78.2% | $13,392-84.6% |