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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 | $41,723 | $165,381-74.8% | $149,730-72.1% | $158,966-73.8% |
| Participation rate | 41.7% | 84.6%-42.9pp | 82.5%-40.8pp | 82.0%-40.3pp |
| Annual return | 24.56% | 348.29%-323.7pp | 276.70%-252.1pp | 302.95%-278.4pp |
| Employer contribution / active EE | $1,790 | $5,104-64.9% | $4,645-61.5% | $4,762-62.4% |
| Participant deferral / active EE | $3,894 | $7,182-45.8% | $6,843-43.1% | $5,983-34.9% |
| Admin fee / account holder | $2,201 | $10,809-79.6% | $9,310-76.4% | $11,250-80.4% |