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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 | $77,150 | $107,353-28.1% | $92,903-17.0% | $152,885-49.5% |
| Participation rate | 57.1% | 79.8%-22.6pp | 76.0%-18.9pp | 82.5%-25.3pp |
| Annual return | 24.68% | 145.62%-120.9pp | 109.43%-84.8pp | 345.39%-320.7pp |
| Employer contribution / active EE | $1,588 | $4,222-62.4% | $3,653-56.5% | $4,763-66.7% |
| Participant deferral / active EE | $4,340 | $4,848-10.5% | $4,238+2.4% | $5,851-25.8% |
| Admin fee / account holder | $764 | $7,081-89.2% | $5,795-86.8% | $11,598-93.4% |