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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 | $56,378 | $165,399-65.9% | $149,745-62.4% | $158,982-64.5% |
| Participation rate | 58.3% | 84.6%-26.2pp | 82.5%-24.1pp | 82.0%-23.6pp |
| Annual return | 16.13% | 348.34%-332.2pp | 276.72%-260.6pp | 302.99%-286.9pp |
| Employer contribution / active EE | $1,427 | $5,105-72.0% | $4,646-69.3% | $4,763-70.0% |
| Participant deferral / active EE | $4,266 | $7,183-40.6% | $6,843-37.7% | $5,983-28.7% |
| Admin fee / account holder | $548 | $10,811-94.9% | $9,312-94.1% | $11,252-95.1% |