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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 | $67,192 | $127,387-47.3% | $115,038-41.6% | $125,389-46.4% |
| Participation rate | 68.8% | 84.2%-15.4pp | 81.4%-12.6pp | 83.2%-14.4pp |
| Annual return | -1.40% | 31.28%-32.7pp | 26.14%-27.5pp | 282.24%-283.6pp |
| Employer contribution / active EE | $3,728 | $5,166-27.8% | $4,608-19.1% | $4,866-23.4% |
| Participant deferral / active EE | $4,813 | $6,423-25.1% | $6,026-20.1% | $5,352-10.1% |
| Admin fee / account holder | $963 | $9,516-89.9% | $8,175-88.2% | $9,541-89.9% |