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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 | $108,882-40.1% | $96,754-32.6% | $154,746-57.9% |
| Participation rate | 58.3% | 75.1%-16.7pp | 70.3%-11.9pp | 80.7%-22.4pp |
| Annual return | 18.34% | 98.39%-80.1pp | 82.04%-63.7pp | 172.34%-154.0pp |
| Employer contribution / active EE | $1,969 | $3,018-34.8% | $2,679-26.5% | $4,379-55.0% |
| Participant deferral / active EE | $6,526 | $5,323+22.6% | $4,758+37.2% | $6,730-3.0% |
| Admin fee / account holder | $2,289 | $10,200-77.6% | $8,905-74.3% | $14,365-84.1% |