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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 | $71,260 | $106,280-33.0% | $96,538-26.2% | $139,487-48.9% |
| Participation rate | 69.2% | 77.8%-8.6pp | 74.3%-5.1pp | 80.3%-11.1pp |
| Annual return | 17.31% | 38.48%-21.2pp | 35.74%-18.4pp | 373.84%-356.5pp |
| Employer contribution / active EE | $2,191 | $4,107-46.7% | $3,740-41.4% | $4,755-53.9% |
| Participant deferral / active EE | $6,778 | $5,457+24.2% | $4,880+38.9% | $6,713+1.0% |
| Admin fee / account holder | $803 | $7,888-89.8% | $6,737-88.1% | $11,407-93.0% |