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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 | $79,590 | $183,516-56.6% | $155,534-48.8% | $145,884-45.4% |
| Participation rate | 68.8% | 82.7%-14.0pp | 78.2%-9.5pp | 80.3%-11.6pp |
| Annual return | 11.95% | 61.43%-49.5pp | 64.92%-53.0pp | 551.85%-539.9pp |
| Employer contribution / active EE | $1,930 | $5,315-63.7% | $4,675-58.7% | $4,662-58.6% |
| Participant deferral / active EE | $6,339 | $6,467-2.0% | $5,630+12.6% | $6,690-5.2% |
| Admin fee / account holder | $1,191 | $19,293-93.8% | $15,900-92.5% | $13,392-91.1% |