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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 | $59,228 | $98,240-39.7% | $82,313-28.0% | $147,585-59.9% |
| Participation rate | 62.5% | 79.7%-17.2pp | 76.9%-14.4pp | 82.8%-20.3pp |
| Annual return | 9.67% | 30.85%-21.2pp | 25.88%-16.2pp | 578.57%-568.9pp |
| Employer contribution / active EE | $768 | $3,192-75.9% | $2,428-68.4% | $4,876-84.2% |
| Participant deferral / active EE | $6,227 | $4,383+42.1% | $3,706+68.0% | $5,439+14.5% |
| Admin fee / account holder | $933 | $8,563-89.1% | $5,608-83.4% | $10,885-91.4% |