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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 | $79,495 | $210,510-62.2% | $153,500-48.2% | $145,877-45.5% |
| Participation rate | 52.4% | 82.1%-29.8pp | 77.1%-24.7pp | 80.3%-27.9pp |
| Annual return | 11.87% | 13.45%-1.6pp | 15.70%-3.8pp | 551.28%-539.4pp |
| Employer contribution / active EE | $2,345 | $6,052-61.3% | $5,039-53.5% | $4,663-49.7% |
| Participant deferral / active EE | $4,995 | $7,974-37.4% | $6,756-26.1% | $6,691-25.3% |
| Admin fee / account holder | $10,922 | $19,455-43.9% | $12,736-14.2% | $13,402-18.5% |