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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 | $32,348 | $172,111-81.2% | $150,298-78.5% | $137,256-76.4% |
| Participation rate | 33.3% | 81.7%-48.4pp | 77.8%-44.4pp | 80.0%-46.6pp |
| Annual return | 14.07% | 69.37%-55.3pp | 62.79%-48.7pp | 220.34%-206.3pp |
| Employer contribution / active EE | $3,431 | $4,636-26.0% | $4,154-17.4% | $4,156-17.4% |
| Participant deferral / active EE | $6,242 | $6,166+1.2% | $5,453+14.5% | $6,407-2.6% |
| Admin fee / account holder | $3,489 | $16,471-78.8% | $14,116-75.3% | $12,270-71.6% |