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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 | $172,111-81.3% | $150,298-78.6% | $137,256-76.6% |
| Participation rate | 60.0% | 81.7%-21.7pp | 77.8%-17.8pp | 80.0%-20.0pp |
| Annual return | 14.75% | 69.37%-54.6pp | 62.79%-48.0pp | 220.34%-205.6pp |
| Employer contribution / active EE | $1,545 | $4,636-66.7% | $4,154-62.8% | $4,156-62.8% |
| Participant deferral / active EE | $2,189 | $6,166-64.5% | $5,453-59.9% | $6,407-65.8% |
| Admin fee / account holder | $3,574 | $16,471-78.3% | $14,116-74.7% | $12,270-70.9% |