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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 | $85,019 | $198,457-57.2% | $170,435-50.1% | $147,586-42.4% |
| Participation rate | 61.5% | 88.0%-26.4pp | 83.6%-22.1pp | 82.8%-21.3pp |
| Annual return | 20.27% | 257.30%-237.0pp | 205.94%-185.7pp | 578.59%-558.3pp |
| Employer contribution / active EE | $2,097 | $6,183-66.1% | $5,432-61.4% | $4,876-57.0% |
| Participant deferral / active EE | $4,010 | $5,629-28.8% | $4,939-18.8% | $5,439-26.3% |
| Admin fee / account holder | $333 | $16,852-98.0% | $13,881-97.6% | $10,886-96.9% |