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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 | $54,133 | $185,312-70.8% | $161,489-66.5% | $154,746-65.0% |
| Participation rate | 64.7% | 82.5%-17.8pp | 78.7%-14.0pp | 80.7%-16.0pp |
| Annual return | 18.76% | 103.84%-85.1pp | 89.72%-71.0pp | 172.34%-153.6pp |
| Employer contribution / active EE | $1,509 | $4,769-68.4% | $4,268-64.6% | $4,379-65.5% |
| Participant deferral / active EE | $5,502 | $6,350-13.3% | $5,630-2.3% | $6,730-18.2% |
| Admin fee / account holder | $2,297 | $18,654-87.7% | $16,006-85.7% | $14,365-84.0% |