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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 | $62,718 | $85,171-26.4% | $172,753-63.7% | $72,976-14.1% |
| Participation rate | 68.8% | 70.1%-1.3pp | 82.6%-13.9pp | 69.5%-0.7pp |
| Annual return | 17.52% | 27.32%-9.8pp | 803.00%-785.5pp | 81.02%-63.5pp |
| Employer contribution / active EE | $1,160 | $3,324-65.1% | $5,144-77.5% | $2,440-52.5% |
| Participant deferral / active EE | $3,935 | $3,260+20.7% | $5,198-24.3% | $3,608+9.1% |
| Admin fee / account holder | $3,420 | $5,880-41.8% | $13,956-75.5% | $5,124-33.3% |