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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 | $81,850 | $99,053-17.4% | $88,179-7.2% | $138,895-41.1% |
| Participation rate | 55.0% | 74.2%-19.2pp | 69.1%-14.1pp | 79.9%-24.9pp |
| Annual return | 12.45% | 78.17%-65.7pp | 64.97%-52.5pp | 145.39%-132.9pp |
| Employer contribution / active EE | $1,529 | $2,882-46.9% | $2,549-40.0% | $4,194-63.5% |
| Participant deferral / active EE | $4,670 | $5,225-10.6% | $4,614+1.2% | $6,396-27.0% |
| Admin fee / account holder | $2,593 | $8,748-70.4% | $7,673-66.2% | $12,562-79.4% |