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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 | $56,475 | $58,241-3.0% | $81,780-30.9% | $80,911-30.2% |
| Participation rate | 51.2% | 63.4%-12.3pp | 72.4%-21.2pp | 67.6%-16.5pp |
| Annual return | 12.92% | 41.73%-28.8pp | 776.27%-763.3pp | 35.63%-22.7pp |
| Employer contribution / active EE | $1,430 | $2,343-39.0% | $2,914-50.9% | $2,756-48.1% |
| Participant deferral / active EE | $3,112 | $3,283-5.2% | $4,321-28.0% | $4,297-27.6% |
| Admin fee / account holder | $4,598 | $4,973-7.5% | $7,384-37.7% | $6,935-33.7% |