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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 | $155,555-69.7% | $146,866-67.9% | $155,188-69.6% |
| Participation rate | 45.5% | 84.0%-38.5pp | 82.5%-37.1pp | 80.8%-35.3pp |
| Annual return | 18.32% | 115.41%-97.1pp | 102.85%-84.5pp | 148.84%-130.5pp |
| Employer contribution / active EE | $3,550 | $4,647-23.6% | $4,425-19.8% | $4,248-16.4% |
| Participant deferral / active EE | $7,510 | $8,044-6.6% | $7,759-3.2% | $6,531+15.0% |
| Admin fee / account holder | $2,355 | $14,755-84.0% | $13,620-82.7% | $14,480-83.7% |