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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 | $68,889 | $155,555-55.7% | $146,866-53.1% | $155,188-55.6% |
| Participation rate | 4.8% | 84.0%-79.2pp | 82.5%-77.7pp | 80.8%-76.0pp |
| Annual return | 19.03% | 115.41%-96.4pp | 102.85%-83.8pp | 148.84%-129.8pp |
| Employer contribution / active EE | $826 | $4,647-82.2% | $4,425-81.3% | $4,248-80.6% |
| Participant deferral / active EE | $2,568 | $8,044-68.1% | $7,759-66.9% | $6,531-60.7% |
| Admin fee / account holder | $7,291 | $14,755-50.6% | $13,620-46.5% | $14,480-49.6% |