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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 | $57,971 | $123,155-52.9% | $108,753-46.7% | $155,188-62.6% |
| Participation rate | 66.7% | 75.6%-9.0pp | 71.1%-4.4pp | 80.8%-14.1pp |
| Annual return | 11.95% | 44.73%-32.8pp | 37.47%-25.5pp | 148.84%-136.9pp |
| Employer contribution / active EE | $486 | $2,811-82.7% | $2,427-80.0% | $4,248-88.6% |
| Participant deferral / active EE | $4,444 | $4,623-3.9% | $4,115+8.0% | $6,531-32.0% |
| Admin fee / account holder | $8,854 | $12,126-27.0% | $10,320-14.2% | $14,480-38.9% |