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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 | $92,890 | $201,372-53.9% | $184,260-49.6% | $145,884-36.3% |
| Participation rate | 66.7% | 87.5%-20.8pp | 86.8%-20.2pp | 80.3%-13.6pp |
| Annual return | 11.57% | 29.04%-17.5pp | 28.84%-17.3pp | 551.85%-540.3pp |
| Employer contribution / active EE | $1,932 | $7,024-72.5% | $6,427-69.9% | $4,662-58.6% |
| Participant deferral / active EE | $5,357 | $9,808-45.4% | $9,133-41.3% | $6,690-19.9% |
| Admin fee / account holder | $3,030 | $16,362-81.5% | $13,898-78.2% | $13,392-77.4% |