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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 | $65,214 | $97,125-32.9% | $86,233-24.4% | $137,256-52.5% |
| Participation rate | 58.3% | 74.2%-15.9pp | 69.0%-10.7pp | 80.0%-21.6pp |
| Annual return | 18.34% | 74.19%-55.9pp | 61.39%-43.1pp | 220.34%-202.0pp |
| Employer contribution / active EE | $1,969 | $2,841-30.7% | $2,504-21.4% | $4,156-52.6% |
| Participant deferral / active EE | $6,526 | $5,180+26.0% | $4,559+43.1% | $6,407+1.9% |
| Admin fee / account holder | $2,289 | $9,725-76.5% | $8,342-72.6% | $12,270-81.3% |