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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 | $32,390 | $114,119-71.6% | $107,187-69.8% | $138,895-76.7% |
| Participation rate | 57.1% | 78.1%-20.9pp | 75.0%-17.9pp | 79.9%-22.8pp |
| Annual return | 22.66% | 273.21%-250.5pp | 204.55%-181.9pp | 145.39%-122.7pp |
| Employer contribution / active EE | $1,565 | $4,059-61.5% | $3,782-58.6% | $4,194-62.7% |
| Participant deferral / active EE | $2,697 | $5,538-51.3% | $5,096-47.1% | $6,396-57.8% |
| Admin fee / account holder | $365 | $10,024-96.4% | $9,162-96.0% | $12,562-97.1% |