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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 | $44,831 | $127,387-64.8% | $115,038-61.0% | $125,389-64.2% |
| Participation rate | 60.0% | 84.2%-24.2pp | 81.4%-21.4pp | 83.2%-23.2pp |
| Annual return | 1.40% | 31.28%-29.9pp | 26.14%-24.7pp | 282.24%-280.8pp |
| Employer contribution / active EE | $8,630 | $5,166+67.1% | $4,608+87.3% | $4,866+77.4% |
| Participant deferral / active EE | $4,196 | $6,423-34.7% | $6,026-30.4% | $5,352-21.6% |
| Admin fee / account holder | $23,414 | $9,516+146.0% | $8,175+186.4% | $9,541+145.4% |