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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 | $55,317 | $107,368-48.5% | $92,915-40.5% | $152,909-63.8% |
| Participation rate | 57.1% | 79.8%-22.6pp | 76.0%-18.9pp | 82.5%-25.3pp |
| Annual return | 12.63% | 145.64%-133.0pp | 109.45%-96.8pp | 345.46%-332.8pp |
| Employer contribution / active EE | $1,633 | $4,222-61.3% | $3,653-55.3% | $4,764-65.7% |
| Participant deferral / active EE | $3,798 | $4,848-21.7% | $4,238-10.4% | $5,851-35.1% |
| Admin fee / account holder | $2,133 | $7,082-69.9% | $5,796-63.2% | $11,601-81.6% |