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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 | $45,005 | $96,731-53.5% | $123,973-63.7% | $86,983-48.3% |
| Participation rate | 69.6% | 70.0%-0.5pp | 76.7%-7.1pp | 69.5%0pp |
| Annual return | 13.53% | 17.33%-3.8pp | 388.13%-374.6pp | 25.83%-12.3pp |
| Employer contribution / active EE | $2,149 | $3,297-34.8% | $4,126-47.9% | $2,584-16.9% |
| Participant deferral / active EE | $4,620 | $4,152+11.3% | $5,247-12.0% | $4,194+10.2% |
| Admin fee / account holder | $2,301 | $8,722-73.6% | $11,799-80.5% | $7,856-70.7% |