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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 | $18,546 | $185,312-90.0% | $161,489-88.5% | $154,746-88.0% |
| Participation rate | 60.0% | 82.5%-22.5pp | 78.7%-18.7pp | 80.7%-20.7pp |
| Annual return | 15.77% | 103.84%-88.1pp | 89.72%-74.0pp | 172.34%-156.6pp |
| Employer contribution / active EE | $1,902 | $4,769-60.1% | $4,268-55.4% | $4,379-56.6% |
| Participant deferral / active EE | $5,483 | $6,350-13.6% | $5,630-2.6% | $6,730-18.5% |
| Admin fee / account holder | $952 | $18,654-94.9% | $16,006-94.1% | $14,365-93.4% |