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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 | $51,292 | $174,379-70.6% | $152,093-66.3% | $138,895-63.1% |
| Participation rate | 62.5% | 81.6%-19.1pp | 77.8%-15.3pp | 79.9%-17.4pp |
| Annual return | 16.19% | 74.86%-58.7pp | 66.36%-50.2pp | 145.39%-129.2pp |
| Employer contribution / active EE | $1,113 | $4,652-76.1% | $4,175-73.3% | $4,194-73.5% |
| Participant deferral / active EE | $2,649 | $6,159-57.0% | $5,451-51.4% | $6,396-58.6% |
| Admin fee / account holder | $307 | $16,880-98.2% | $14,497-97.9% | $12,562-97.6% |