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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 | $105,913 | $156,398-32.3% | $147,318-28.1% | $138,895-23.7% |
| Participation rate | 45.5% | 83.8%-38.3pp | 82.1%-36.6pp | 79.9%-34.5pp |
| Annual return | 18.39% | 78.75%-60.4pp | 70.43%-52.0pp | 145.39%-127.0pp |
| Employer contribution / active EE | $1,607 | $4,853-66.9% | $4,593-65.0% | $4,194-61.7% |
| Participant deferral / active EE | $3,107 | $8,237-62.3% | $7,906-60.7% | $6,396-51.4% |
| Admin fee / account holder | $7,014 | $14,976-53.2% | $13,708-48.8% | $12,562-44.2% |