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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 | $112,748 | $162,136-30.5% | $152,301-26.0% | $154,746-27.1% |
| Participation rate | 61.1% | 84.1%-23.0pp | 82.4%-21.3pp | 80.7%-19.6pp |
| Annual return | 12.82% | 91.02%-78.2pp | 80.50%-67.7pp | 172.34%-159.5pp |
| Employer contribution / active EE | $2,400 | $4,890-50.9% | $4,624-48.1% | $4,379-45.2% |
| Participant deferral / active EE | $3,829 | $8,341-54.1% | $8,004-52.2% | $6,730-43.1% |
| Admin fee / account holder | $2,025 | $15,759-87.2% | $14,398-85.9% | $14,365-85.9% |