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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 | $66,074 | $174,379-62.1% | $152,093-56.6% | $138,895-52.4% |
| Participation rate | 37.5% | 81.6%-44.1pp | 77.8%-40.3pp | 79.9%-42.4pp |
| Annual return | 18.29% | 74.86%-56.6pp | 66.36%-48.1pp | 145.39%-127.1pp |
| Employer contribution / active EE | $2,067 | $4,652-55.6% | $4,175-50.5% | $4,194-50.7% |
| Participant deferral / active EE | $4,847 | $6,159-21.3% | $5,451-11.1% | $6,396-24.2% |
| Admin fee / account holder | $1,914 | $16,880-88.7% | $14,497-86.8% | $12,562-84.8% |