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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 | $75,005 | $162,136-53.7% | $152,301-50.8% | $154,746-51.5% |
| Participation rate | 52.2% | 84.1%-31.9pp | 82.4%-30.3pp | 80.7%-28.5pp |
| Annual return | 16.60% | 91.02%-74.4pp | 80.50%-63.9pp | 172.34%-155.7pp |
| Employer contribution / active EE | $2,110 | $4,890-56.8% | $4,624-54.4% | $4,379-51.8% |
| Participant deferral / active EE | $3,110 | $8,341-62.7% | $8,004-61.1% | $6,730-53.8% |
| Admin fee / account holder | $533 | $15,759-96.6% | $14,398-96.3% | $14,365-96.3% |