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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 | $94,752 | $165,399-42.7% | $149,745-36.7% | $158,982-40.4% |
| Participation rate | 62.5% | 84.6%-22.1pp | 82.5%-20.0pp | 82.0%-19.5pp |
| Annual return | 14.91% | 348.34%-333.4pp | 276.72%-261.8pp | 302.99%-288.1pp |
| Employer contribution / active EE | $1,573 | $5,105-69.2% | $4,646-66.2% | $4,763-67.0% |
| Participant deferral / active EE | $4,073 | $7,183-43.3% | $6,843-40.5% | $5,983-31.9% |
| Admin fee / account holder | $2,940 | $10,811-72.8% | $9,312-68.4% | $11,252-73.9% |