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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 | $129,218 | $183,539-29.6% | $155,556-16.9% | $145,897-11.4% |
| Participation rate | 66.7% | 82.7%-16.0pp | 78.2%-11.6pp | 80.3%-13.6pp |
| Annual return | 11.96% | 61.31%-49.4pp | 64.84%-52.9pp | 552.29%-540.3pp |
| Employer contribution / active EE | $1,406 | $5,315-73.5% | $4,675-69.9% | $4,663-69.8% |
| Participant deferral / active EE | $3,901 | $6,467-39.7% | $5,631-30.7% | $6,689-41.7% |
| Admin fee / account holder | $1,078 | $19,275-94.4% | $15,885-93.2% | $13,390-92.0% |