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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 | $46,136 | $129,737-64.4% | $119,126-61.3% | $154,746-70.2% |
| Participation rate | 55.6% | 78.9%-23.3pp | 75.8%-20.2pp | 80.7%-25.1pp |
| Annual return | 15.01% | 379.08%-364.1pp | 282.11%-267.1pp | 172.34%-157.3pp |
| Employer contribution / active EE | $1,243 | $4,375-71.6% | $4,034-69.2% | $4,379-71.6% |
| Participant deferral / active EE | $4,404 | $5,842-24.6% | $5,318-17.2% | $6,730-34.6% |
| Admin fee / account holder | $3,755 | $11,961-68.6% | $10,693-64.9% | $14,365-73.9% |