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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 | $130,296 | $162,136-19.6% | $152,301-14.4% | $154,746-15.8% |
| Participation rate | 52.2% | 84.1%-31.9pp | 82.4%-30.3pp | 80.7%-28.5pp |
| Annual return | 16.04% | 91.02%-75.0pp | 80.50%-64.5pp | 172.34%-156.3pp |
| Employer contribution / active EE | $2,550 | $4,890-47.8% | $4,624-44.8% | $4,379-41.8% |
| Participant deferral / active EE | $3,146 | $8,341-62.3% | $8,004-60.7% | $6,730-53.3% |
| Admin fee / account holder | $13,857 | $15,759-12.1% | $14,398-3.8% | $14,365-3.5% |