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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 | $83,037 | $144,130-42.4% | $117,861-29.5% | $147,586-43.7% |
| Participation rate | 68.4% | 83.4%-15.0pp | 79.7%-11.2pp | 82.8%-14.4pp |
| Annual return | 13.69% | 531.20%-517.5pp | 335.11%-321.4pp | 578.59%-564.9pp |
| Employer contribution / active EE | $1,763 | $4,897-64.0% | $3,786-53.4% | $4,876-63.8% |
| Participant deferral / active EE | $3,808 | $5,316-28.4% | $4,482-15.0% | $5,439-30.0% |
| Admin fee / account holder | $5,270 | $10,887-51.6% | $8,021-34.3% | $10,886-51.6% |