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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 | $185,312-74.8% | $161,489-71.1% | $154,746-69.8% |
| Participation rate | 60.0% | 82.5%-22.5pp | 78.7%-18.7pp | 80.7%-20.7pp |
| Annual return | 17.70% | 103.84%-86.1pp | 89.72%-72.0pp | 172.34%-154.6pp |
| Employer contribution / active EE | $13,053 | $4,769+173.7% | $4,268+205.8% | $4,379+198.1% |
| Participant deferral / active EE | $7,188 | $6,350+13.2% | $5,630+27.7% | $6,730+6.8% |
| Admin fee / account holder | $825 | $18,654-95.6% | $16,006-94.8% | $14,365-94.3% |