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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 | $20,498 | $77,908-73.7% | $149,696-86.3% | $75,173-72.7% |
| Participation rate | 66.7% | 65.6%+1.1pp | 78.8%-12.1pp | 67.2%-0.5pp |
| Annual return | 74.19% | 31.73%+42.5pp | 134.46%-60.3pp | 160.72%-86.5pp |
| Employer contribution / active EE | $2,826 | $3,138-9.9% | $4,821-41.4% | $2,671+5.8% |
| Participant deferral / active EE | $6,593 | $3,411+93.3% | $5,682+16.0% | $4,126+59.8% |
| Admin fee / account holder | $570 | $5,950-90.4% | $13,212-95.7% | $5,651-89.9% |