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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 | $56,513 | $110,410-48.8% | $102,437-44.8% | $145,897-61.3% |
| Participation rate | 64.7% | 77.9%-13.2pp | 74.5%-9.8pp | 80.3%-15.6pp |
| Annual return | 13.28% | 24.85%-11.6pp | 24.95%-11.7pp | 552.29%-539.0pp |
| Employer contribution / active EE | $1,972 | $4,217-53.2% | $3,871-49.0% | $4,663-57.7% |
| Participant deferral / active EE | $6,510 | $5,622+15.8% | $5,060+28.7% | $6,689-2.7% |
| Admin fee / account holder | $632 | $9,745-93.5% | $8,388-92.5% | $13,390-95.3% |