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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 | $185,312-80.1% | $161,489-77.2% | $154,746-76.2% |
| Participation rate | 52.9% | 82.5%-29.5pp | 78.7%-25.8pp | 80.7%-27.8pp |
| Annual return | 19.49% | 103.84%-84.4pp | 89.72%-70.2pp | 172.34%-152.8pp |
| Employer contribution / active EE | $1,912 | $4,769-59.9% | $4,268-55.2% | $4,379-56.3% |
| Participant deferral / active EE | $4,221 | $6,350-33.5% | $5,630-25.0% | $6,730-37.3% |
| Admin fee / account holder | $2,809 | $18,654-84.9% | $16,006-82.5% | $14,365-80.4% |