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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 | $47,102 | $196,972-76.1% | $182,262-74.2% | $198,609-76.3% |
| Participation rate | 45.5% | 85.7%-40.2pp | 84.2%-38.8pp | 82.4%-36.9pp |
| Annual return | 18.32% | 158.27%-140.0pp | 140.60%-122.3pp | 202.70%-184.4pp |
| Employer contribution / active EE | $3,550 | $5,364-33.8% | $5,046-29.6% | $5,055-29.8% |
| Participant deferral / active EE | $7,510 | $8,643-13.1% | $8,276-9.3% | $6,977+7.6% |
| Admin fee / account holder | $2,355 | $18,429-87.2% | $16,712-85.9% | $19,030-87.6% |