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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 | $60,793 | $100,147-39.3% | $81,286-25.2% | $145,877-58.3% |
| Participation rate | 61.5% | 74.2%-12.7pp | 69.5%-8.0pp | 80.3%-18.8pp |
| Annual return | 10.73% | 34.44%-23.7pp | 24.80%-14.1pp | 551.28%-540.6pp |
| Employer contribution / active EE | $1,930 | $2,977-35.2% | $2,463-21.6% | $4,663-58.6% |
| Participant deferral / active EE | $4,294 | $4,607-6.8% | $3,883+10.6% | $6,691-35.8% |
| Admin fee / account holder | $2,202 | $8,201-73.2% | $5,764-61.8% | $13,402-83.6% |