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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 | $80,146 | $111,787-28.3% | $93,681-14.4% | $145,978-45.1% |
| Participation rate | 52.9% | 74.2%-21.3pp | 68.7%-15.8pp | 80.3%-27.4pp |
| Annual return | 16.11% | 203.52%-187.4pp | 133.47%-117.4pp | 550.52%-534.4pp |
| Employer contribution / active EE | $2,468 | $3,093-20.2% | $2,422+1.9% | $4,662-47.1% |
| Participant deferral / active EE | $3,919 | $4,918-20.3% | $4,415-11.2% | $6,690-41.4% |
| Admin fee / account holder | $466 | $10,256-95.5% | $8,290-94.4% | $13,400-96.5% |