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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 | $47,099 | $111,535-57.8% | $105,223-55.2% | $137,256-65.7% |
| Participation rate | 64.3% | 78.1%-13.8pp | 75.0%-10.8pp | 80.0%-15.7pp |
| Annual return | 17.45% | 237.85%-220.4pp | 180.65%-163.2pp | 220.34%-202.9pp |
| Employer contribution / active EE | $1,669 | $3,939-57.6% | $3,689-54.8% | $4,156-59.9% |
| Participant deferral / active EE | $4,443 | $5,500-19.2% | $5,072-12.4% | $6,407-30.7% |
| Admin fee / account holder | $805 | $9,721-91.7% | $8,859-90.9% | $12,270-93.4% |