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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 | $154,228-51.4% | $145,433-48.4% | $137,256-45.4% |
| Participation rate | 52.2% | 83.8%-31.6pp | 82.1%-29.9pp | 80.0%-27.8pp |
| Annual return | 16.60% | 74.59%-58.0pp | 66.58%-50.0pp | 220.34%-203.7pp |
| Employer contribution / active EE | $2,110 | $4,804-56.1% | $4,554-53.7% | $4,156-49.2% |
| Participant deferral / active EE | $3,110 | $8,216-62.1% | $7,897-60.6% | $6,407-51.5% |
| Admin fee / account holder | $533 | $14,344-96.3% | $13,129-95.9% | $12,270-95.7% |