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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 | $43,500 | $91,559-52.5% | $133,971-67.5% | $79,852-45.5% |
| Participation rate | 66.7% | 73.3%-6.7pp | 79.8%-13.2pp | 69.6%-3.0pp |
| Annual return | 18.43% | 61.85%-43.4pp | 45.09%-26.7pp | 31.72%-13.3pp |
| Employer contribution / active EE | $1,938 | $2,384-18.7% | $3,919-50.5% | $2,471-21.6% |
| Participant deferral / active EE | $3,850 | $3,734+3.1% | $5,047-23.7% | $3,740+2.9% |
| Admin fee / account holder | $1,807 | $6,321-71.4% | $8,929-79.8% | $5,306-66.0% |