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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 | $30,878 | $106,864-71.1% | $147,318-79.0% | $82,637-62.6% |
| Participation rate | 68.1% | 75.5%-7.4pp | 82.1%-14.0pp | 68.1%0pp |
| Annual return | 23.79% | 27.49%-3.7pp | 70.43%-46.6pp | 53.51%-29.7pp |
| Employer contribution / active EE | $3,781 | $3,417+10.7% | $4,593-17.7% | $2,552+48.2% |
| Participant deferral / active EE | $4,579 | $6,496-29.5% | $7,906-42.1% | $4,126+11.0% |
| Admin fee / account holder | $4,199 | $8,415-50.1% | $13,708-69.4% | $7,339-42.8% |