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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 | $95,849 | $165,381-42.0% | $149,730-36.0% | $158,966-39.7% |
| Participation rate | 57.1% | 84.6%-27.4pp | 82.5%-25.3pp | 82.0%-24.8pp |
| Annual return | 8.45% | 348.29%-339.8pp | 276.70%-268.2pp | 302.95%-294.5pp |
| Employer contribution / active EE | $1,548 | $5,104-69.7% | $4,645-66.7% | $4,762-67.5% |
| Participant deferral / active EE | $6,109 | $7,182-14.9% | $6,843-10.7% | $5,983+2.1% |
| Admin fee / account holder | $946 | $10,809-91.2% | $9,310-89.8% | $11,250-91.6% |