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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 | $44,886 | $154,228-70.9% | $145,433-69.1% | $137,256-67.3% |
| Participation rate | 63.6% | 83.8%-20.2pp | 82.1%-18.5pp | 80.0%-16.3pp |
| Annual return | 21.95% | 74.59%-52.6pp | 66.58%-44.6pp | 220.34%-198.4pp |
| Employer contribution / active EE | $2,679 | $4,804-44.2% | $4,554-41.2% | $4,156-35.5% |
| Participant deferral / active EE | $6,173 | $8,216-24.9% | $7,897-21.8% | $6,407-3.7% |
| Admin fee / account holder | $2,556 | $14,344-82.2% | $13,129-80.5% | $12,270-79.2% |