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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 | $70,933 | $107,363-33.9% | $92,909-23.7% | $152,897-53.6% |
| Participation rate | 54.5% | 79.8%-25.2pp | 76.0%-21.5pp | 82.5%-27.9pp |
| Annual return | 26.34% | 145.63%-119.3pp | 109.44%-83.1pp | 345.43%-319.1pp |
| Employer contribution / active EE | $3,466 | $4,222-17.9% | $3,653-5.1% | $4,764-27.2% |
| Participant deferral / active EE | $4,431 | $4,848-8.6% | $4,238+4.6% | $5,851-24.3% |
| Admin fee / account holder | $919 | $7,082-87.0% | $5,795-84.1% | $11,599-92.1% |