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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 | $96,476 | $174,379-44.7% | $152,093-36.6% | $138,895-30.5% |
| Participation rate | 68.8% | 81.6%-12.9pp | 77.8%-9.0pp | 79.9%-11.2pp |
| Annual return | 18.70% | 74.86%-56.2pp | 66.36%-47.7pp | 145.39%-126.7pp |
| Employer contribution / active EE | $1,962 | $4,652-57.8% | $4,175-53.0% | $4,194-53.2% |
| Participant deferral / active EE | $5,442 | $6,159-11.6% | $5,451-0.2% | $6,396-14.9% |
| Admin fee / account holder | $765 | $16,880-95.5% | $14,497-94.7% | $12,562-93.9% |