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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 | $78,905 | $185,312-57.4% | $161,489-51.1% | $154,746-49.0% |
| Participation rate | 57.9% | 82.5%-24.6pp | 78.7%-20.8pp | 80.7%-22.8pp |
| Annual return | 12.04% | 103.84%-91.8pp | 89.72%-77.7pp | 172.34%-160.3pp |
| Employer contribution / active EE | $1,710 | $4,769-64.2% | $4,268-59.9% | $4,379-61.0% |
| Participant deferral / active EE | $3,968 | $6,350-37.5% | $5,630-29.5% | $6,730-41.0% |
| Admin fee / account holder | $3,368 | $18,654-81.9% | $16,006-79.0% | $14,365-76.6% |