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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 | $32,467 | $183,627-82.3% | $155,602-79.1% | $145,978-77.8% |
| Participation rate | 68.2% | 82.7%-14.5pp | 78.2%-10.0pp | 80.3%-12.1pp |
| Annual return | 15.76% | 61.32%-45.6pp | 64.81%-49.0pp | 550.52%-534.8pp |
| Employer contribution / active EE | $1,257 | $5,316-76.4% | $4,675-73.1% | $4,662-73.0% |
| Participant deferral / active EE | $2,074 | $6,466-67.9% | $5,629-63.1% | $6,690-69.0% |
| Admin fee / account holder | $506 | $19,327-97.4% | $15,923-96.8% | $13,400-96.2% |