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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 | $45,549 | $165,381-72.5% | $149,730-69.6% | $158,966-71.3% |
| Participation rate | 62.5% | 84.6%-22.1pp | 82.5%-20.0pp | 82.0%-19.5pp |
| Annual return | 14.24% | 348.29%-334.1pp | 276.70%-262.5pp | 302.95%-288.7pp |
| Employer contribution / active EE | $994 | $5,104-80.5% | $4,645-78.6% | $4,762-79.1% |
| Participant deferral / active EE | $3,686 | $7,182-48.7% | $6,843-46.1% | $5,983-38.4% |
| Admin fee / account holder | $8,613 | $10,809-20.3% | $9,310-7.5% | $11,250-23.4% |