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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 | $52,479 | $185,905-71.8% | $170,057-69.1% | $139,487-62.4% |
| Participation rate | 63.6% | 87.8%-24.1pp | 87.0%-23.4pp | 80.3%-16.7pp |
| Annual return | 21.15% | 60.56%-39.4pp | 53.42%-32.3pp | 373.84%-352.7pp |
| Employer contribution / active EE | $8,414 | $7,597+10.8% | $6,790+23.9% | $4,755+77.0% |
| Participant deferral / active EE | $4,022 | $11,627-65.4% | $10,411-61.4% | $6,713-40.1% |
| Admin fee / account holder | $868 | $15,397-94.4% | $12,826-93.2% | $11,407-92.4% |