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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 | $53,128 | $172,111-69.1% | $150,298-64.7% | $137,256-61.3% |
| Participation rate | 58.8% | 81.7%-22.9pp | 77.8%-18.9pp | 80.0%-21.1pp |
| Annual return | 21.61% | 69.37%-47.8pp | 62.79%-41.2pp | 220.34%-198.7pp |
| Employer contribution / active EE | $1,602 | $4,636-65.4% | $4,154-61.4% | $4,156-61.5% |
| Participant deferral / active EE | $5,448 | $6,166-11.6% | $5,453-0.1% | $6,407-15.0% |
| Admin fee / account holder | $1,882 | $16,471-88.6% | $14,116-86.7% | $12,270-84.7% |