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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 | $45,159 | $174,379-74.1% | $152,093-70.3% | $138,895-67.5% |
| Participation rate | 69.2% | 81.6%-12.4pp | 77.8%-8.5pp | 79.9%-10.7pp |
| Annual return | 20.01% | 74.86%-54.8pp | 66.36%-46.3pp | 145.39%-125.4pp |
| Employer contribution / active EE | $1,041 | $4,652-77.6% | $4,175-75.1% | $4,194-75.2% |
| Participant deferral / active EE | $5,668 | $6,159-8.0% | $5,451+4.0% | $6,396-11.4% |
| Admin fee / account holder | $2,038 | $16,880-87.9% | $14,497-85.9% | $12,562-83.8% |