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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 | $155,555-80.6% | $146,866-79.5% | $155,188-80.6% |
| Participation rate | 56.3% | 84.0%-27.7pp | 82.5%-26.3pp | 80.8%-24.6pp |
| Annual return | 19.21% | 115.41%-96.2pp | 102.85%-83.6pp | 148.84%-129.6pp |
| Employer contribution / active EE | $1,522 | $4,647-67.2% | $4,425-65.6% | $4,248-64.2% |
| Participant deferral / active EE | $5,260 | $8,044-34.6% | $7,759-32.2% | $6,531-19.5% |
| Admin fee / account holder | $1,058 | $14,755-92.8% | $13,620-92.2% | $14,480-92.7% |