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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 | $51,754 | $156,398-66.9% | $147,318-64.9% | $138,895-62.7% |
| Participation rate | 62.5% | 83.8%-21.3pp | 82.1%-19.6pp | 79.9%-17.4pp |
| Annual return | 16.41% | 78.75%-62.3pp | 70.43%-54.0pp | 145.39%-129.0pp |
| Employer contribution / active EE | $2,412 | $4,853-50.3% | $4,593-47.5% | $4,194-42.5% |
| Participant deferral / active EE | $6,351 | $8,237-22.9% | $7,906-19.7% | $6,396-0.7% |
| Admin fee / account holder | $796 | $14,976-94.7% | $13,708-94.2% | $12,562-93.7% |