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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 | $37,578 | $172,111-78.2% | $150,298-75.0% | $137,256-72.6% |
| Participation rate | 34.8% | 81.7%-46.9pp | 77.8%-43.0pp | 80.0%-45.2pp |
| Annual return | 16.20% | 69.37%-53.2pp | 62.79%-46.6pp | 220.34%-204.1pp |
| Employer contribution / active EE | $1,166 | $4,636-74.9% | $4,154-71.9% | $4,156-72.0% |
| Participant deferral / active EE | $1,953 | $6,166-68.3% | $5,453-64.2% | $6,407-69.5% |
| Admin fee / account holder | $5,952 | $16,471-63.9% | $14,116-57.8% | $12,270-51.5% |