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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 | $68,141 | $157,304-56.7% | $141,197-51.7% | $152,909-55.4% |
| Participation rate | 57.1% | 84.8%-27.7pp | 82.5%-25.3pp | 82.5%-25.3pp |
| Annual return | 19.12% | 64.34%-45.2pp | 71.41%-52.3pp | 345.46%-326.3pp |
| Employer contribution / active EE | $1,731 | $5,263-67.1% | $4,736-63.5% | $4,764-63.7% |
| Participant deferral / active EE | $3,396 | $7,111-52.2% | $6,710-49.4% | $5,851-42.0% |
| Admin fee / account holder | $541 | $12,126-95.5% | $10,265-94.7% | $11,601-95.3% |