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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 | $35,716 | $185,312-80.7% | $161,489-77.9% | $154,746-76.9% |
| Participation rate | 54.2% | 82.5%-28.3pp | 78.7%-24.5pp | 80.7%-26.5pp |
| Annual return | 10.71% | 103.84%-93.1pp | 89.72%-79.0pp | 172.34%-161.6pp |
| Employer contribution / active EE | $1,518 | $4,769-68.2% | $4,268-64.4% | $4,379-65.3% |
| Participant deferral / active EE | $2,855 | $6,350-55.0% | $5,630-49.3% | $6,730-57.6% |
| Admin fee / account holder | $344 | $18,654-98.2% | $16,006-97.9% | $14,365-97.6% |