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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 | $69,256 | $102,938-32.7% | $94,105-26.4% | $138,895-50.1% |
| Participation rate | 47.1% | 74.6%-27.6pp | 71.9%-24.9pp | 79.9%-32.9pp |
| Annual return | 16.79% | 250.28%-233.5pp | 204.55%-187.8pp | 145.39%-128.6pp |
| Employer contribution / active EE | $3,130 | $2,732+14.6% | $2,504+25.0% | $4,194-25.4% |
| Participant deferral / active EE | $4,569 | $4,196+8.9% | $3,881+17.7% | $6,396-28.6% |
| Admin fee / account holder | $835 | $6,600-87.3% | $6,199-86.5% | $12,562-93.4% |