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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 | $115,979 | $178,174-34.9% | $156,181-25.7% | $137,256-15.5% |
| Participation rate | 47.6% | 82.0%-34.4pp | 78.8%-31.2pp | 80.0%-32.3pp |
| Annual return | 14.18% | 84.19%-70.0pp | 64.87%-50.7pp | 220.34%-206.2pp |
| Employer contribution / active EE | $1,943 | $4,972-60.9% | $4,294-54.7% | $4,156-53.2% |
| Participant deferral / active EE | $3,205 | $6,888-53.5% | $6,132-47.7% | $6,407-50.0% |
| Admin fee / account holder | $9,731 | $17,404-44.1% | $14,586-33.3% | $12,270-20.7% |