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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 | $71,388 | $70,366+1.5% | $66,674+7.1% | $138,895-48.6% |
| Participation rate | 25.0% | 76.2%-51.2pp | 73.7%-48.7pp | 79.9%-54.9pp |
| Annual return | 16.35% | 386.41%-370.1pp | 321.24%-304.9pp | 145.39%-129.0pp |
| Employer contribution / active EE | $1,280 | $2,765-53.7% | $2,620-51.2% | $4,194-69.5% |
| Participant deferral / active EE | $1,958 | $4,374-55.2% | $4,084-52.1% | $6,396-69.4% |
| Admin fee / account holder | $1,337 | $5,262-74.6% | $5,098-73.8% | $12,562-89.4% |