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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 | $39,241 | $227,291-82.7% | $214,702-81.7% | $155,188-74.7% |
| Participation rate | 66.7% | 88.0%-21.3pp | 87.5%-20.8pp | 80.8%-14.1pp |
| Annual return | 22.24% | 60.08%-37.8pp | 54.55%-32.3pp | 148.84%-126.6pp |
| Employer contribution / active EE | $1,681 | $6,772-75.2% | $6,461-74.0% | $4,248-60.4% |
| Participant deferral / active EE | $4,886 | $9,582-49.0% | $9,147-46.6% | $6,531-25.2% |
| Admin fee / account holder | $419 | $20,413-97.9% | $19,830-97.9% | $14,480-97.1% |