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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 | $147,520 | $185,312-20.4% | $161,489-8.6% | $154,746-4.7% |
| Participation rate | 47.4% | 82.5%-35.1pp | 78.7%-31.3pp | 80.7%-33.3pp |
| Annual return | 14.02% | 103.84%-89.8pp | 89.72%-75.7pp | 172.34%-158.3pp |
| Employer contribution / active EE | $1,215 | $4,769-74.5% | $4,268-71.5% | $4,379-72.2% |
| Participant deferral / active EE | $4,337 | $6,350-31.7% | $5,630-23.0% | $6,730-35.6% |
| Admin fee / account holder | $460 | $18,654-97.5% | $16,006-97.1% | $14,365-96.8% |