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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 | $58,506 | $110,410-47.0% | $102,437-42.9% | $145,897-59.9% |
| Participation rate | 52.6% | 77.9%-25.3pp | 74.5%-21.9pp | 80.3%-27.7pp |
| Annual return | 13.71% | 24.85%-11.1pp | 24.95%-11.2pp | 552.29%-538.6pp |
| Employer contribution / active EE | $2,187 | $4,217-48.1% | $3,871-43.5% | $4,663-53.1% |
| Participant deferral / active EE | $6,040 | $5,622+7.4% | $5,060+19.4% | $6,689-9.7% |
| Admin fee / account holder | $897 | $9,745-90.8% | $8,388-89.3% | $13,390-93.3% |