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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 | $61,859 | $201,344-69.3% | $184,243-66.4% | $145,877-57.6% |
| Participation rate | 63.6% | 87.5%-23.9pp | 86.8%-23.2pp | 80.3%-16.7pp |
| Annual return | 14.01% | 29.01%-15.0pp | 28.82%-14.8pp | 551.28%-537.3pp |
| Employer contribution / active EE | $1,630 | $7,022-76.8% | $6,427-74.6% | $4,663-65.0% |
| Participant deferral / active EE | $3,674 | $9,807-62.5% | $9,132-59.8% | $6,691-45.1% |
| Admin fee / account holder | $3,621 | $16,382-77.9% | $13,914-74.0% | $13,402-73.0% |