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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 | $32,106 | $185,312-82.7% | $161,489-80.1% | $154,746-79.3% |
| Participation rate | 60.0% | 82.5%-22.5pp | 78.7%-18.7pp | 80.7%-20.7pp |
| Annual return | 14.75% | 103.84%-89.1pp | 89.72%-75.0pp | 172.34%-157.6pp |
| Employer contribution / active EE | $1,545 | $4,769-67.6% | $4,268-63.8% | $4,379-64.7% |
| Participant deferral / active EE | $2,189 | $6,350-65.5% | $5,630-61.1% | $6,730-67.5% |
| Admin fee / account holder | $3,574 | $18,654-80.8% | $16,006-77.7% | $14,365-75.1% |