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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 | $56,270 | $51,638+9.0% | $129,406-56.5% | $80,959-30.5% |
| Participation rate | 15.8% | 56.9%-41.1pp | 69.6%-53.9pp | 67.7%-51.9pp |
| Annual return | 18.83% | 20.78%-2.0pp | 9468.18%-9449.4pp | 35.67%-16.8pp |
| Employer contribution / active EE | $651 | $1,584-58.9% | $4,155-84.3% | $2,757-76.4% |
| Participant deferral / active EE | $1,506 | $2,670-43.6% | $4,167-63.9% | $4,300-65.0% |
| Admin fee / account holder | $1,473 | $4,313-65.9% | $7,689-80.8% | $6,925-78.7% |