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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 | $42,577 | $118,467-64.1% | $98,450-56.8% | $139,456-69.5% |
| Participation rate | 66.7% | 77.5%-10.8pp | 75.2%-8.5pp | 80.3%-13.7pp |
| Annual return | 18.31% | 18.95%-0.6pp | 21.16%-2.9pp | 373.45%-355.1pp |
| Employer contribution / active EE | $1,799 | $3,611-50.2% | $3,049-41.0% | $4,753-62.1% |
| Participant deferral / active EE | $5,804 | $5,393+7.6% | $4,739+22.5% | $6,711-13.5% |
| Admin fee / account holder | $8,948 | $14,057-36.3% | $8,961-0.2% | $11,407-21.6% |