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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 | $75,567 | $106,923-29.3% | $84,023-10.1% | $152,909-50.6% |
| Participation rate | 53.8% | 75.3%-21.4pp | 69.0%-15.2pp | 82.5%-28.6pp |
| Annual return | 16.33% | 105.02%-88.7pp | 71.32%-55.0pp | 345.46%-329.1pp |
| Employer contribution / active EE | $1,256 | $2,735-54.1% | $1,984-36.7% | $4,764-73.6% |
| Participant deferral / active EE | $3,394 | $4,013-15.4% | $3,239+4.8% | $5,851-42.0% |
| Admin fee / account holder | $7,689 | $8,289-7.2% | $6,102+26.0% | $11,601-33.7% |