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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 | $53,796 | $183,516-70.7% | $155,534-65.4% | $145,884-63.1% |
| Participation rate | 68.8% | 82.7%-14.0pp | 78.2%-9.5pp | 80.3%-11.6pp |
| Annual return | 15.87% | 61.43%-45.6pp | 64.92%-49.0pp | 551.85%-536.0pp |
| Employer contribution / active EE | $2,447 | $5,315-54.0% | $4,675-47.6% | $4,662-47.5% |
| Participant deferral / active EE | $4,546 | $6,467-29.7% | $5,630-19.3% | $6,690-32.0% |
| Admin fee / account holder | $688 | $19,293-96.4% | $15,900-95.7% | $13,392-94.9% |