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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 | $104,730 | $165,399-36.7% | $149,745-30.1% | $158,982-34.1% |
| Participation rate | 60.0% | 84.6%-24.6pp | 82.5%-22.5pp | 82.0%-22.0pp |
| Annual return | 22.01% | 348.34%-326.3pp | 276.72%-254.7pp | 302.99%-281.0pp |
| Employer contribution / active EE | $2,079 | $5,105-59.3% | $4,646-55.3% | $4,763-56.4% |
| Participant deferral / active EE | $10,204 | $7,183+42.1% | $6,843+49.1% | $5,983+70.5% |
| Admin fee / account holder | $728 | $10,811-93.3% | $9,312-92.2% | $11,252-93.5% |