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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 | $32,119 | $156,398-79.5% | $147,318-78.2% | $138,895-76.9% |
| Participation rate | 50.0% | 83.8%-33.8pp | 82.1%-32.1pp | 79.9%-29.9pp |
| Annual return | 22.35% | 78.75%-56.4pp | 70.43%-48.1pp | 145.39%-123.0pp |
| Employer contribution / active EE | $1,661 | $4,853-65.8% | $4,593-63.8% | $4,194-60.4% |
| Participant deferral / active EE | $4,935 | $8,237-40.1% | $7,906-37.6% | $6,396-22.8% |
| Admin fee / account holder | $705 | $14,976-95.3% | $13,708-94.9% | $12,562-94.4% |