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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 | $51,933 | $135,956-61.8% | $123,894-58.1% | $273,972-81.0% |
| Participation rate | 44.4% | 84.1%-39.6pp | 81.4%-37.0pp | 83.0%-38.6pp |
| Annual return | 9.82% | 56.63%-46.8pp | 47.52%-37.7pp | 41.46%-31.6pp |
| Employer contribution / active EE | $1,093 | $5,170-78.8% | $4,617-76.3% | $4,869-77.5% |
| Participant deferral / active EE | $4,059 | $6,343-36.0% | $5,984-32.2% | $5,287-23.2% |
| Admin fee / account holder | $1,747 | $9,817-82.2% | $8,357-79.1% | $10,133-82.8% |