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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 | $95,441 | $156,398-39.0% | $147,318-35.2% | $138,895-31.3% |
| Participation rate | 46.2% | 83.8%-37.6pp | 82.1%-35.9pp | 79.9%-33.8pp |
| Annual return | 13.47% | 78.75%-65.3pp | 70.43%-57.0pp | 145.39%-131.9pp |
| Employer contribution / active EE | $1,743 | $4,853-64.1% | $4,593-62.1% | $4,194-58.5% |
| Participant deferral / active EE | $6,043 | $8,237-26.6% | $7,906-23.6% | $6,396-5.5% |
| Admin fee / account holder | $10,464 | $14,976-30.1% | $13,708-23.7% | $12,562-16.7% |