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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 | $64,449 | $65,367-1.4% | $92,915-30.6% | $72,976-11.7% |
| Participation rate | 25.0% | 68.3%-43.3pp | 76.0%-51.0pp | 69.5%-44.5pp |
| Annual return | 36.32% | 42.11%-5.8pp | 109.45%-73.1pp | 81.02%-44.7pp |
| Employer contribution / active EE | $742 | $2,594-71.4% | $3,653-79.7% | $2,440-69.6% |
| Participant deferral / active EE | $1,630 | $3,128-47.9% | $4,238-61.5% | $3,608-54.8% |
| Admin fee / account holder | $2,222 | $4,251-47.7% | $5,796-61.7% | $5,124-56.6% |