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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 | $85,370 | $178,174-52.1% | $156,181-45.3% | $137,256-37.8% |
| Participation rate | 41.2% | 82.0%-40.9pp | 78.8%-37.7pp | 80.0%-38.8pp |
| Annual return | 16.21% | 84.19%-68.0pp | 64.87%-48.7pp | 220.34%-204.1pp |
| Employer contribution / active EE | $2,288 | $4,972-54.0% | $4,294-46.7% | $4,156-44.9% |
| Participant deferral / active EE | $4,713 | $6,888-31.6% | $6,132-23.1% | $6,407-26.4% |
| Admin fee / account holder | $427 | $17,404-97.5% | $14,586-97.1% | $12,270-96.5% |