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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 | $183,592-29.6% | $155,574-16.9% | $145,877-11.4% |
| Participation rate | 66.7% | 82.7%-16.0pp | 78.2%-11.5pp | 80.3%-13.6pp |
| Annual return | 11.96% | 61.37%-49.4pp | 64.87%-52.9pp | 551.28%-539.3pp |
| Employer contribution / active EE | $1,406 | $5,317-73.6% | $4,676-69.9% | $4,663-69.8% |
| Participant deferral / active EE | $3,901 | $6,466-39.7% | $5,629-30.7% | $6,691-41.7% |
| Admin fee / account holder | $1,078 | $19,316-94.4% | $15,914-93.2% | $13,402-92.0% |