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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 | $54,692 | $183,592-70.2% | $155,574-64.8% | $145,877-62.5% |
| Participation rate | 57.1% | 82.7%-25.6pp | 78.2%-21.1pp | 80.3%-23.2pp |
| Annual return | 12.87% | 61.37%-48.5pp | 64.87%-52.0pp | 551.28%-538.4pp |
| Employer contribution / active EE | $1,170 | $5,317-78.0% | $4,676-75.0% | $4,663-74.9% |
| Participant deferral / active EE | $4,712 | $6,466-27.1% | $5,629-16.3% | $6,691-29.6% |
| Admin fee / account holder | $1,765 | $19,316-90.9% | $15,914-88.9% | $13,402-86.8% |