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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 | $103,169 | $178,174-42.1% | $156,181-33.9% | $137,256-24.8% |
| Participation rate | 47.8% | 82.0%-34.2pp | 78.8%-31.0pp | 80.0%-32.1pp |
| Annual return | 15.63% | 84.19%-68.6pp | 64.87%-49.2pp | 220.34%-204.7pp |
| Employer contribution / active EE | $1,381 | $4,972-72.2% | $4,294-67.8% | $4,156-66.8% |
| Participant deferral / active EE | $2,459 | $6,888-64.3% | $6,132-59.9% | $6,407-61.6% |
| Admin fee / account holder | $1,442 | $17,404-91.7% | $14,586-90.1% | $12,270-88.2% |