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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 | $46,748 | $172,111-72.8% | $150,298-68.9% | $137,256-65.9% |
| Participation rate | 60.0% | 81.7%-21.7pp | 77.8%-17.8pp | 80.0%-20.0pp |
| Annual return | 17.70% | 69.37%-51.7pp | 62.79%-45.1pp | 220.34%-202.6pp |
| Employer contribution / active EE | $13,053 | $4,636+181.5% | $4,154+214.2% | $4,156+214.1% |
| Participant deferral / active EE | $7,188 | $6,166+16.6% | $5,453+31.8% | $6,407+12.2% |
| Admin fee / account holder | $825 | $16,471-95.0% | $14,116-94.2% | $12,270-93.3% |