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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 | $54,361 | $106,267-48.8% | $96,520-43.7% | $139,456-61.0% |
| Participation rate | 68.4% | 77.8%-9.4pp | 74.3%-5.9pp | 80.3%-11.9pp |
| Annual return | 17.74% | 38.45%-20.7pp | 35.72%-18.0pp | 373.45%-355.7pp |
| Employer contribution / active EE | $4,832 | $4,105+17.7% | $3,739+29.2% | $4,753+1.7% |
| Participant deferral / active EE | $4,542 | $5,454-16.7% | $4,879-6.9% | $6,711-32.3% |
| Admin fee / account holder | $665 | $7,882-91.6% | $6,733-90.1% | $11,407-94.2% |