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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 | $77,859 | $165,399-52.9% | $149,745-48.0% | $158,982-51.0% |
| Participation rate | 61.5% | 84.6%-23.0pp | 82.5%-20.9pp | 82.0%-20.4pp |
| Annual return | 21.30% | 348.34%-327.0pp | 276.72%-255.4pp | 302.99%-281.7pp |
| Employer contribution / active EE | $4,916 | $5,105-3.7% | $4,646+5.8% | $4,763+3.2% |
| Participant deferral / active EE | $3,298 | $7,183-54.1% | $6,843-51.8% | $5,983-44.9% |
| Admin fee / account holder | $711 | $10,811-93.4% | $9,312-92.4% | $11,252-93.7% |