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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 | $52,733 | $157,829-66.6% | $136,867-61.5% | $198,609-73.4% |
| Participation rate | 60.0% | 77.2%-17.2pp | 74.5%-14.5pp | 82.4%-22.4pp |
| Annual return | 19.11% | 51.25%-32.1pp | 42.97%-23.9pp | 202.70%-183.6pp |
| Employer contribution / active EE | $2,208 | $3,923-43.7% | $3,547-37.7% | $5,055-56.3% |
| Participant deferral / active EE | $2,715 | $5,463-50.3% | $4,924-44.8% | $6,977-61.1% |
| Admin fee / account holder | $7,567 | $11,107-31.9% | $10,340-26.8% | $19,030-60.2% |