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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 | $59,151 | $123,155-52.0% | $108,753-45.6% | $155,188-61.9% |
| Participation rate | 44.4% | 75.6%-31.2pp | 71.1%-26.6pp | 80.8%-36.4pp |
| Annual return | 21.63% | 44.73%-23.1pp | 37.47%-15.8pp | 148.84%-127.2pp |
| Employer contribution / active EE | $1,563 | $2,811-44.4% | $2,427-35.6% | $4,248-63.2% |
| Participant deferral / active EE | $5,582 | $4,623+20.7% | $4,115+35.7% | $6,531-14.5% |
| Admin fee / account holder | $673 | $12,126-94.5% | $10,320-93.5% | $14,480-95.4% |