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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 | $199,109-57.1% | $173,730-50.9% | $154,746-44.8% |
| Participation rate | 41.2% | 82.8%-41.6pp | 79.6%-38.4pp | 80.7%-39.5pp |
| Annual return | 16.21% | 20.02%-3.8pp | 19.96%-3.7pp | 172.34%-156.1pp |
| Employer contribution / active EE | $2,288 | $5,311-56.9% | $4,577-50.0% | $4,379-47.8% |
| Participant deferral / active EE | $4,713 | $7,113-33.7% | $6,326-25.5% | $6,730-30.0% |
| Admin fee / account holder | $427 | $20,916-98.0% | $17,523-97.6% | $14,365-97.0% |