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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 | $57,507 | $157,304-63.4% | $141,197-59.3% | $152,909-62.4% |
| Participation rate | 62.5% | 84.8%-22.3pp | 82.5%-20.0pp | 82.5%-20.0pp |
| Annual return | 21.86% | 64.34%-42.5pp | 71.41%-49.5pp | 345.46%-323.6pp |
| Employer contribution / active EE | $1,552 | $5,263-70.5% | $4,736-67.2% | $4,764-67.4% |
| Participant deferral / active EE | $4,054 | $7,111-43.0% | $6,710-39.6% | $5,851-30.7% |
| Admin fee / account holder | $1,265 | $12,126-89.6% | $10,265-87.7% | $11,601-89.1% |