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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 | $65,610 | $156,398-58.0% | $147,318-55.5% | $138,895-52.8% |
| Participation rate | 62.5% | 83.8%-21.3pp | 82.1%-19.6pp | 79.9%-17.4pp |
| Annual return | 27.52% | 78.75%-51.2pp | 70.43%-42.9pp | 145.39%-117.9pp |
| Employer contribution / active EE | $1,822 | $4,853-62.5% | $4,593-60.3% | $4,194-56.6% |
| Participant deferral / active EE | $4,694 | $8,237-43.0% | $7,906-40.6% | $6,396-26.6% |
| Admin fee / account holder | $5,052 | $14,976-66.3% | $13,708-63.1% | $12,562-59.8% |