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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 | $55,120 | $165,399-66.7% | $149,745-63.2% | $158,982-65.3% |
| Participation rate | 36.4% | 84.6%-48.2pp | 82.5%-46.1pp | 82.0%-45.6pp |
| Annual return | 10.98% | 348.34%-337.4pp | 276.72%-265.7pp | 302.99%-292.0pp |
| Employer contribution / active EE | $4,987 | $5,105-2.3% | $4,646+7.3% | $4,763+4.7% |
| Participant deferral / active EE | $3,956 | $7,183-44.9% | $6,843-42.2% | $5,983-33.9% |
| Admin fee / account holder | $4,035 | $10,811-62.7% | $9,312-56.7% | $11,252-64.1% |