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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 | $62,984 | $172,758-63.5% | $149,600-57.9% | $138,895-54.7% |
| Participation rate | 50.0% | 80.2%-30.2pp | 77.2%-27.2pp | 79.9%-29.9pp |
| Annual return | 16.01% | 181.17%-165.2pp | 129.59%-113.6pp | 145.39%-129.4pp |
| Employer contribution / active EE | $1,854 | $4,778-61.2% | $4,193-55.8% | $4,194-55.8% |
| Participant deferral / active EE | $2,481 | $8,180-69.7% | $7,203-65.6% | $6,396-61.2% |
| Admin fee / account holder | $2,904 | $17,615-83.5% | $13,963-79.2% | $12,562-76.9% |