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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 | $81,955 | $114,119-28.2% | $107,187-23.5% | $138,895-41.0% |
| Participation rate | 36.8% | 78.1%-41.2pp | 75.0%-38.2pp | 79.9%-43.1pp |
| Annual return | 17.46% | 273.21%-255.7pp | 204.55%-187.1pp | 145.39%-127.9pp |
| Employer contribution / active EE | $1,448 | $4,059-64.3% | $3,782-61.7% | $4,194-65.5% |
| Participant deferral / active EE | $2,876 | $5,538-48.1% | $5,096-43.6% | $6,396-55.0% |
| Admin fee / account holder | $2,176 | $10,024-78.3% | $9,162-76.3% | $12,562-82.7% |