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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 | $44,645 | $201,370-77.8% | $184,256-75.8% | $145,897-69.4% |
| Participation rate | 63.2% | 87.5%-24.3pp | 86.8%-23.7pp | 80.3%-17.1pp |
| Annual return | 19.91% | 29.05%-9.1pp | 28.85%-8.9pp | 552.29%-532.4pp |
| Employer contribution / active EE | $1,964 | $7,024-72.0% | $6,427-69.4% | $4,663-57.9% |
| Participant deferral / active EE | $3,230 | $9,808-67.1% | $9,133-64.6% | $6,689-51.7% |
| Admin fee / account holder | $988 | $16,364-94.0% | $13,899-92.9% | $13,390-92.6% |