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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 | $181,062-71.7% | $158,223-67.6% | $155,188-66.9% |
| Participation rate | 62.5% | 82.7%-20.2pp | 79.2%-16.7pp | 80.8%-18.3pp |
| Annual return | 16.19% | 57.39%-41.2pp | 52.09%-35.9pp | 148.84%-132.7pp |
| Employer contribution / active EE | $1,113 | $4,565-75.6% | $4,109-72.9% | $4,248-73.8% |
| Participant deferral / active EE | $2,649 | $6,134-56.8% | $5,467-51.6% | $6,531-59.4% |
| Admin fee / account holder | $307 | $18,825-98.4% | $16,047-98.1% | $14,480-97.9% |