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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 | $52,347 | $162,136-67.7% | $152,301-65.6% | $154,746-66.2% |
| Participation rate | 57.1% | 84.1%-27.0pp | 82.4%-25.3pp | 80.7%-23.6pp |
| Annual return | 18.21% | 91.02%-72.8pp | 80.50%-62.3pp | 172.34%-154.1pp |
| Employer contribution / active EE | $2,842 | $4,890-41.9% | $4,624-38.5% | $4,379-35.1% |
| Participant deferral / active EE | $5,282 | $8,341-36.7% | $8,004-34.0% | $6,730-21.5% |
| Admin fee / account holder | $4,923 | $15,759-68.8% | $14,398-65.8% | $14,365-65.7% |