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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 | $48,693 | $134,817-63.9% | $123,973-60.7% | $155,188-68.6% |
| Participation rate | 66.7% | 79.4%-12.7pp | 76.7%-10.0pp | 80.8%-14.1pp |
| Annual return | 22.00% | 515.49%-493.5pp | 388.13%-366.1pp | 148.84%-126.8pp |
| Employer contribution / active EE | $4,044 | $4,425-8.6% | $4,126-2.0% | $4,248-4.8% |
| Participant deferral / active EE | $8,642 | $5,706+51.4% | $5,247+64.7% | $6,531+32.3% |
| Admin fee / account holder | $2,181 | $13,245-83.5% | $11,799-81.5% | $14,480-84.9% |