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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 | $51,732 | $185,312-72.1% | $161,489-68.0% | $154,746-66.6% |
| Participation rate | 60.0% | 82.5%-22.5pp | 78.7%-18.7pp | 80.7%-20.7pp |
| Annual return | 10.53% | 103.84%-93.3pp | 89.72%-79.2pp | 172.34%-161.8pp |
| Employer contribution / active EE | $5,423 | $4,769+13.7% | $4,268+27.0% | $4,379+23.8% |
| Participant deferral / active EE | $3,294 | $6,350-48.1% | $5,630-41.5% | $6,730-51.1% |
| Admin fee / account holder | $552 | $18,654-97.0% | $16,006-96.6% | $14,365-96.2% |