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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 | $45,054 | $165,399-72.8% | $149,745-69.9% | $158,982-71.7% |
| Participation rate | 65.0% | 84.6%-19.6pp | 82.5%-17.5pp | 82.0%-17.0pp |
| Annual return | 19.84% | 348.34%-328.5pp | 276.72%-256.9pp | 302.99%-283.2pp |
| Employer contribution / active EE | $1,874 | $5,105-63.3% | $4,646-59.7% | $4,763-60.6% |
| Participant deferral / active EE | $4,313 | $7,183-40.0% | $6,843-37.0% | $5,983-27.9% |
| Admin fee / account holder | $860 | $10,811-92.0% | $9,312-90.8% | $11,252-92.4% |