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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 | $44,908 | $181,062-75.2% | $158,223-71.6% | $155,188-71.1% |
| Participation rate | 44.4% | 82.7%-38.2pp | 79.2%-34.8pp | 80.8%-36.4pp |
| Annual return | 40.66% | 57.39%-16.7pp | 52.09%-11.4pp | 148.84%-108.2pp |
| Employer contribution / active EE | $10,560 | $4,565+131.3% | $4,109+157.0% | $4,248+148.6% |
| Participant deferral / active EE | $3,791 | $6,134-38.2% | $5,467-30.7% | $6,531-42.0% |
| Admin fee / account holder | $767 | $18,825-95.9% | $16,047-95.2% | $14,480-94.7% |