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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 | $201,264-53.8% | $184,185-49.6% | $145,978-36.4% |
| Participation rate | 66.7% | 87.5%-20.8pp | 86.8%-20.2pp | 80.3%-13.6pp |
| Annual return | 11.57% | 29.00%-17.4pp | 28.81%-17.2pp | 550.52%-538.9pp |
| Employer contribution / active EE | $1,932 | $7,021-72.5% | $6,426-69.9% | $4,662-58.5% |
| Participant deferral / active EE | $5,357 | $9,806-45.4% | $9,132-41.3% | $6,690-19.9% |
| Admin fee / account holder | $3,030 | $16,376-81.5% | $13,909-78.2% | $13,400-77.4% |