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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 | $41,780 | $201,344-79.2% | $184,243-77.3% | $145,877-71.4% |
| Participation rate | 60.0% | 87.5%-27.5pp | 86.8%-26.8pp | 80.3%-20.3pp |
| Annual return | 25.73% | 29.01%-3.3pp | 28.82%-3.1pp | 551.28%-525.6pp |
| Employer contribution / active EE | $2,487 | $7,022-64.6% | $6,427-61.3% | $4,663-46.7% |
| Participant deferral / active EE | $8,476 | $9,807-13.6% | $9,132-7.2% | $6,691+26.7% |
| Admin fee / account holder | $583 | $16,382-96.4% | $13,914-95.8% | $13,402-95.6% |