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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 | $47,144 | $148,629-68.3% | $135,982-65.3% | $139,487-66.2% |
| Participation rate | 52.9% | 83.9%-30.9pp | 81.9%-29.0pp | 80.3%-27.4pp |
| Annual return | 17.54% | 79.33%-61.8pp | 68.32%-50.8pp | 373.84%-356.3pp |
| Employer contribution / active EE | $1,305 | $5,247-75.1% | $4,859-73.1% | $4,755-72.5% |
| Participant deferral / active EE | $3,320 | $8,102-59.0% | $7,760-57.2% | $6,713-50.5% |
| Admin fee / account holder | $1,503 | $12,406-87.9% | $10,767-86.0% | $11,407-86.8% |