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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 | $54,582 | $178,174-69.4% | $156,181-65.1% | $137,256-60.2% |
| Participation rate | 46.2% | 82.0%-35.9pp | 78.8%-32.7pp | 80.0%-33.8pp |
| Annual return | 18.99% | 84.19%-65.2pp | 64.87%-45.9pp | 220.34%-201.3pp |
| Employer contribution / active EE | $2,372 | $4,972-52.3% | $4,294-44.8% | $4,156-42.9% |
| Participant deferral / active EE | $5,518 | $6,888-19.9% | $6,132-10.0% | $6,407-13.9% |
| Admin fee / account holder | $2,006 | $17,404-88.5% | $14,586-86.2% | $12,270-83.7% |