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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 | $46,317 | $183,516-74.8% | $155,534-70.2% | $145,884-68.3% |
| Participation rate | 66.7% | 82.7%-16.0pp | 78.2%-11.6pp | 80.3%-13.6pp |
| Annual return | 14.21% | 61.43%-47.2pp | 64.92%-50.7pp | 551.85%-537.6pp |
| Employer contribution / active EE | $3,224 | $5,315-39.3% | $4,675-31.0% | $4,662-30.9% |
| Participant deferral / active EE | $5,208 | $6,467-19.5% | $5,630-7.5% | $6,690-22.1% |
| Admin fee / account holder | $778 | $19,293-96.0% | $15,900-95.1% | $13,392-94.2% |