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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 | $59,365 | $93,346-36.4% | $71,796-17.3% | $273,972-78.3% |
| Participation rate | 66.7% | 76.5%-9.9pp | 69.1%-2.4pp | 83.0%-16.3pp |
| Annual return | 16.13% | 130.39%-114.3pp | 78.04%-61.9pp | 41.46%-25.3pp |
| Employer contribution / active EE | $2,215 | $2,733-19.0% | $1,924+15.1% | $4,869-54.5% |
| Participant deferral / active EE | $4,933 | $3,475+42.0% | $2,794+76.5% | $5,287-6.7% |
| Admin fee / account holder | $8,067 | $6,571+22.8% | $4,815+67.6% | $10,133-20.4% |