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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 | $61,187 | $182,442-66.5% | $163,379-62.5% | $138,895-55.9% |
| Participation rate | 52.2% | 79.8%-27.6pp | 76.8%-24.6pp | 79.9%-27.7pp |
| Annual return | 13.65% | 72.74%-59.1pp | 63.41%-49.8pp | 145.39%-131.7pp |
| Employer contribution / active EE | $1,455 | $4,159-65.0% | $3,752-61.2% | $4,194-65.3% |
| Participant deferral / active EE | $4,079 | $6,817-40.2% | $6,282-35.1% | $6,396-36.2% |
| Admin fee / account holder | $3,475 | $10,396-66.6% | $9,818-64.6% | $12,562-72.3% |