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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 | $48,472 | $69,118-29.9% | $53,647-9.6% | $138,895-65.1% |
| Participation rate | 26.7% | 64.0%-37.3pp | 56.3%-29.6pp | 79.9%-53.3pp |
| Annual return | 24.83% | 248.26%-223.4pp | 358.33%-333.5pp | 145.39%-120.6pp |
| Employer contribution / active EE | $1,310 | $1,189+10.1% | $962+36.2% | $4,194-68.8% |
| Participant deferral / active EE | $2,475 | $2,274+8.8% | $1,813+36.5% | $6,396-61.3% |
| Admin fee / account holder | $451 | $2,724-83.5% | $2,460-81.7% | $12,562-96.4% |