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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 | $30,160 | $156,398-80.7% | $147,318-79.5% | $138,895-78.3% |
| Participation rate | 56.3% | 83.8%-27.5pp | 82.1%-25.8pp | 79.9%-23.7pp |
| Annual return | 19.21% | 78.75%-59.5pp | 70.43%-51.2pp | 145.39%-126.2pp |
| Employer contribution / active EE | $1,522 | $4,853-68.6% | $4,593-66.9% | $4,194-63.7% |
| Participant deferral / active EE | $5,260 | $8,237-36.1% | $7,906-33.5% | $6,396-17.8% |
| Admin fee / account holder | $1,058 | $14,976-92.9% | $13,708-92.3% | $12,562-91.6% |