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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 | $21,450 | $172,111-87.5% | $150,298-85.7% | $137,256-84.4% |
| Participation rate | 54.5% | 81.7%-27.2pp | 77.8%-23.2pp | 80.0%-25.4pp |
| Annual return | 42.94% | 69.37%-26.4pp | 62.79%-19.8pp | 220.34%-177.4pp |
| Employer contribution / active EE | $2,104 | $4,636-54.6% | $4,154-49.3% | $4,156-49.4% |
| Participant deferral / active EE | $2,249 | $6,166-63.5% | $5,453-58.7% | $6,407-64.9% |
| Admin fee / account holder | $1,242 | $16,471-92.5% | $14,116-91.2% | $12,270-89.9% |