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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 | $36,860 | $172,111-78.6% | $150,298-75.5% | $137,256-73.1% |
| Participation rate | 52.9% | 81.7%-28.8pp | 77.8%-24.8pp | 80.0%-27.0pp |
| Annual return | 19.49% | 69.37%-49.9pp | 62.79%-43.3pp | 220.34%-200.9pp |
| Employer contribution / active EE | $1,912 | $4,636-58.8% | $4,154-54.0% | $4,156-54.0% |
| Participant deferral / active EE | $4,221 | $6,166-31.5% | $5,453-22.6% | $6,407-34.1% |
| Admin fee / account holder | $2,809 | $16,471-82.9% | $14,116-80.1% | $12,270-77.1% |