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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 | $52,909 | $185,883-71.5% | $170,043-68.9% | $139,466-62.1% |
| Participation rate | 54.5% | 87.8%-33.2pp | 87.0%-32.5pp | 80.3%-25.8pp |
| Annual return | 14.77% | 60.54%-45.8pp | 53.40%-38.6pp | 373.66%-358.9pp |
| Employer contribution / active EE | $1,526 | $7,596-79.9% | $6,790-77.5% | $4,754-67.9% |
| Participant deferral / active EE | $3,678 | $11,626-68.4% | $10,410-64.7% | $6,712-45.2% |
| Admin fee / account holder | $1,882 | $15,393-87.8% | $12,824-85.3% | $11,409-83.5% |