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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 | $108,944 | $175,257-37.8% | $149,717-27.2% | $139,456-21.9% |
| Participation rate | 55.6% | 83.4%-27.8pp | 78.8%-23.2pp | 80.3%-24.8pp |
| Annual return | 21.49% | 166.70%-145.2pp | 134.41%-112.9pp | 373.45%-352.0pp |
| Employer contribution / active EE | $1,474 | $5,477-73.1% | $4,820-69.4% | $4,753-69.0% |
| Participant deferral / active EE | $6,633 | $6,521+1.7% | $5,682+16.7% | $6,711-1.2% |
| Admin fee / account holder | $1,874 | $16,156-88.4% | $13,213-85.8% | $11,407-83.6% |