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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 | $78,593 | $111,535-29.5% | $105,223-25.3% | $137,256-42.7% |
| Participation rate | 28.6% | 78.1%-49.5pp | 75.0%-46.5pp | 80.0%-51.4pp |
| Annual return | 21.84% | 237.85%-216.0pp | 180.65%-158.8pp | 220.34%-198.5pp |
| Employer contribution / active EE | $2,089 | $3,939-47.0% | $3,689-43.4% | $4,156-49.7% |
| Participant deferral / active EE | $4,243 | $5,500-22.9% | $5,072-16.3% | $6,407-33.8% |
| Admin fee / account holder | $572 | $9,721-94.1% | $8,859-93.5% | $12,270-95.3% |