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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 | $60,859 | $103,038-40.9% | $90,324-32.6% | $152,909-60.2% |
| Participation rate | 69.2% | 75.9%-6.6pp | 73.3%-4.1pp | 82.5%-13.2pp |
| Annual return | 25.57% | 95.25%-69.7pp | 78.15%-52.6pp | 345.46%-319.9pp |
| Employer contribution / active EE | $736 | $3,141-76.6% | $2,856-74.2% | $4,764-84.5% |
| Participant deferral / active EE | $4,436 | $4,282+3.6% | $3,885+14.2% | $5,851-24.2% |
| Admin fee / account holder | $797 | $6,177-87.1% | $5,356-85.1% | $11,601-93.1% |