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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 | $109,283 | $181,062-39.6% | $158,223-30.9% | $155,188-29.6% |
| Participation rate | 45.5% | 82.7%-37.2pp | 79.2%-33.7pp | 80.8%-35.3pp |
| Annual return | 18.28% | 57.39%-39.1pp | 52.09%-33.8pp | 148.84%-130.6pp |
| Employer contribution / active EE | $1,539 | $4,565-66.3% | $4,109-62.5% | $4,248-63.8% |
| Participant deferral / active EE | $3,585 | $6,134-41.6% | $5,467-34.4% | $6,531-45.1% |
| Admin fee / account holder | $3,022 | $18,825-83.9% | $16,047-81.2% | $14,480-79.1% |