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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 | $74,695 | $114,119-34.5% | $107,187-30.3% | $138,895-46.2% |
| Participation rate | 55.6% | 78.1%-22.5pp | 75.0%-19.5pp | 79.9%-24.4pp |
| Annual return | 18.14% | 273.21%-255.1pp | 204.55%-186.4pp | 145.39%-127.3pp |
| Employer contribution / active EE | $2,815 | $4,059-30.7% | $3,782-25.6% | $4,194-32.9% |
| Participant deferral / active EE | $4,537 | $5,538-18.1% | $5,096-11.0% | $6,396-29.1% |
| Admin fee / account holder | $1,248 | $10,024-87.5% | $9,162-86.4% | $12,562-90.1% |