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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 | $70,639 | $166,131-57.5% | $164,975-57.2% | $145,877-51.6% |
| Participation rate | 64.7% | 82.0%-17.3pp | 78.6%-13.9pp | 80.3%-15.6pp |
| Annual return | 13.99% | 100.37%-86.4pp | 70.12%-56.1pp | 551.28%-537.3pp |
| Employer contribution / active EE | $1,829 | $5,276-65.3% | $4,343-57.9% | $4,663-60.8% |
| Participant deferral / active EE | $6,468 | $6,962-7.1% | $6,033+7.2% | $6,691-3.3% |
| Admin fee / account holder | $1,888 | $16,648-88.7% | $12,688-85.1% | $13,402-85.9% |