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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 | $71,132 | $185,312-61.6% | $161,489-56.0% | $154,746-54.0% |
| Participation rate | 57.1% | 82.5%-25.3pp | 78.7%-21.6pp | 80.7%-23.6pp |
| Annual return | 10.39% | 103.84%-93.4pp | 89.72%-79.3pp | 172.34%-161.9pp |
| Employer contribution / active EE | $1,327 | $4,769-72.2% | $4,268-68.9% | $4,379-69.7% |
| Participant deferral / active EE | $4,493 | $6,350-29.2% | $5,630-20.2% | $6,730-33.2% |
| Admin fee / account holder | $11,607 | $18,654-37.8% | $16,006-27.5% | $14,365-19.2% |