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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 | $181,062-54.5% | $158,223-47.9% | $155,188-46.9% |
| Participation rate | 63.6% | 82.7%-19.0pp | 79.2%-15.6pp | 80.8%-17.2pp |
| Annual return | 16.06% | 57.39%-41.3pp | 52.09%-36.0pp | 148.84%-132.8pp |
| Employer contribution / active EE | $1,760 | $4,565-61.5% | $4,109-57.2% | $4,248-58.6% |
| Participant deferral / active EE | $4,686 | $6,134-23.6% | $5,467-14.3% | $6,531-28.3% |
| Admin fee / account holder | $2,148 | $18,825-88.6% | $16,047-86.6% | $14,480-85.2% |