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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 | $181,062-88.2% | $158,223-86.4% | $155,188-86.2% |
| Participation rate | 54.5% | 82.7%-28.1pp | 79.2%-24.7pp | 80.8%-26.3pp |
| Annual return | 42.94% | 57.39%-14.4pp | 52.09%-9.1pp | 148.84%-105.9pp |
| Employer contribution / active EE | $2,104 | $4,565-53.9% | $4,109-48.8% | $4,248-50.5% |
| Participant deferral / active EE | $2,249 | $6,134-63.3% | $5,467-58.9% | $6,531-65.6% |
| Admin fee / account holder | $1,242 | $18,825-93.4% | $16,047-92.3% | $14,480-91.4% |