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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 | $60,245 | $172,111-65.0% | $150,298-59.9% | $137,256-56.1% |
| Participation rate | 62.5% | 81.7%-19.2pp | 77.8%-15.3pp | 80.0%-17.5pp |
| Annual return | 17.19% | 69.37%-52.2pp | 62.79%-45.6pp | 220.34%-203.2pp |
| Employer contribution / active EE | $1,539 | $4,636-66.8% | $4,154-62.9% | $4,156-63.0% |
| Participant deferral / active EE | $9,503 | $6,166+54.1% | $5,453+74.3% | $6,407+48.3% |
| Admin fee / account holder | $1,202 | $16,471-92.7% | $14,116-91.5% | $12,270-90.2% |