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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 | $54,686 | $178,174-69.3% | $156,181-65.0% | $137,256-60.2% |
| Participation rate | 66.7% | 82.0%-15.4pp | 78.8%-12.2pp | 80.0%-13.3pp |
| Annual return | 15.32% | 84.19%-68.9pp | 64.87%-49.5pp | 220.34%-205.0pp |
| Employer contribution / active EE | $2,095 | $4,972-57.9% | $4,294-51.2% | $4,156-49.6% |
| Participant deferral / active EE | $3,891 | $6,888-43.5% | $6,132-36.5% | $6,407-39.3% |
| Admin fee / account holder | $2,403 | $17,404-86.2% | $14,586-83.5% | $12,270-80.4% |