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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 | $34,248 | $174,379-80.4% | $152,093-77.5% | $138,895-75.3% |
| Participation rate | 61.1% | 81.6%-20.5pp | 77.8%-16.7pp | 79.9%-18.8pp |
| Annual return | 17.11% | 74.86%-57.7pp | 66.36%-49.2pp | 145.39%-128.3pp |
| Employer contribution / active EE | $2,514 | $4,652-46.0% | $4,175-39.8% | $4,194-40.1% |
| Participant deferral / active EE | $2,742 | $6,159-55.5% | $5,451-49.7% | $6,396-57.1% |
| Admin fee / account holder | $519 | $16,880-96.9% | $14,497-96.4% | $12,562-95.9% |