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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 | $181,062-80.3% | $158,223-77.4% | $155,188-77.0% |
| Participation rate | 54.2% | 82.7%-28.5pp | 79.2%-25.0pp | 80.8%-26.6pp |
| Annual return | 10.71% | 57.39%-46.7pp | 52.09%-41.4pp | 148.84%-138.1pp |
| Employer contribution / active EE | $1,518 | $4,565-66.7% | $4,109-63.0% | $4,248-64.3% |
| Participant deferral / active EE | $2,855 | $6,134-53.5% | $5,467-47.8% | $6,531-56.3% |
| Admin fee / account holder | $344 | $18,825-98.2% | $16,047-97.9% | $14,480-97.6% |