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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 | $45,733 | $135,956-66.4% | $123,894-63.1% | $273,972-83.3% |
| Participation rate | 44.4% | 84.1%-39.6pp | 81.4%-37.0pp | 83.0%-38.6pp |
| Annual return | 5.40% | 56.63%-51.2pp | 47.52%-42.1pp | 41.46%-36.1pp |
| Employer contribution / active EE | $8,153 | $5,170+57.7% | $4,617+76.6% | $4,869+67.4% |
| Participant deferral / active EE | $4,640 | $6,343-26.8% | $5,984-22.5% | $5,287-12.2% |
| Admin fee / account holder | $1,080 | $9,817-89.0% | $8,357-87.1% | $10,133-89.3% |