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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 | $41,332 | $202,440-79.6% | $169,390-75.6% | $139,466-70.4% |
| Participation rate | 56.3% | 81.1%-24.9pp | 77.2%-20.9pp | 80.3%-24.1pp |
| Annual return | 20.12% | 532.36%-512.2pp | 406.07%-386.0pp | 373.66%-353.5pp |
| Employer contribution / active EE | $1,209 | $4,693-74.2% | $4,013-69.9% | $4,754-74.6% |
| Participant deferral / active EE | $3,536 | $6,940-49.1% | $6,222-43.2% | $6,712-47.3% |
| Admin fee / account holder | $1,026 | $10,722-90.4% | $9,015-88.6% | $11,409-91.0% |