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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 | $82,426 | $174,379-52.7% | $152,093-45.8% | $138,895-40.7% |
| Participation rate | 63.6% | 81.6%-18.0pp | 77.8%-14.1pp | 79.9%-16.3pp |
| Annual return | 16.06% | 74.86%-58.8pp | 66.36%-50.3pp | 145.39%-129.3pp |
| Employer contribution / active EE | $1,760 | $4,652-62.2% | $4,175-57.9% | $4,194-58.0% |
| Participant deferral / active EE | $4,686 | $6,159-23.9% | $5,451-14.0% | $6,396-26.7% |
| Admin fee / account holder | $2,148 | $16,880-87.3% | $14,497-85.2% | $12,562-82.9% |