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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 | $78,289 | $165,361-52.7% | $149,715-47.7% | $158,950-50.7% |
| Participation rate | 57.1% | 84.6%-27.4pp | 82.5%-25.3pp | 82.0%-24.8pp |
| Annual return | 20.57% | 348.24%-327.7pp | 276.66%-256.1pp | 302.91%-282.3pp |
| Employer contribution / active EE | $1,706 | $5,103-66.6% | $4,645-63.3% | $4,762-64.2% |
| Participant deferral / active EE | $3,742 | $7,182-47.9% | $6,842-45.3% | $5,983-37.4% |
| Admin fee / account holder | $554 | $10,808-94.9% | $9,310-94.0% | $11,248-95.1% |