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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 | $47,630 | $169,356-71.9% | $129,406-63.2% | $145,897-67.4% |
| Participation rate | 69.2% | 76.5%-7.3pp | 69.6%-0.4pp | 80.3%-11.1pp |
| Annual return | 14.47% | 14418.62%-14404.1pp | 9468.18%-9453.7pp | 552.29%-537.8pp |
| Employer contribution / active EE | $1,324 | $5,542-76.1% | $4,155-68.1% | $4,663-71.6% |
| Participant deferral / active EE | $3,979 | $4,987-20.2% | $4,167-4.5% | $6,689-40.5% |
| Admin fee / account holder | $4,231 | $9,915-57.3% | $7,689-45.0% | $13,390-68.4% |