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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 | $66,669 | $110,337-39.6% | $102,383-34.9% | $145,877-54.3% |
| Participation rate | 61.5% | 77.9%-16.4pp | 74.5%-13.0pp | 80.3%-18.8pp |
| Annual return | 14.53% | 24.83%-10.3pp | 24.94%-10.4pp | 551.28%-536.8pp |
| Employer contribution / active EE | $2,252 | $4,216-46.6% | $3,870-41.8% | $4,663-51.7% |
| Participant deferral / active EE | $4,797 | $5,621-14.7% | $5,060-5.2% | $6,691-28.3% |
| Admin fee / account holder | $4,683 | $9,750-52.0% | $8,391-44.2% | $13,402-65.1% |