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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 | $59,128 | $155,555-62.0% | $146,866-59.7% | $155,188-61.9% |
| Participation rate | 52.2% | 84.0%-31.8pp | 82.5%-30.3pp | 80.8%-28.6pp |
| Annual return | 20.26% | 115.41%-95.2pp | 102.85%-82.6pp | 148.84%-128.6pp |
| Employer contribution / active EE | $2,581 | $4,647-44.4% | $4,425-41.7% | $4,248-39.2% |
| Participant deferral / active EE | $3,671 | $8,044-54.4% | $7,759-52.7% | $6,531-43.8% |
| Admin fee / account holder | $3,666 | $14,755-75.2% | $13,620-73.1% | $14,480-74.7% |