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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 | $60,499 | $72,071-16.1% | $68,368-11.5% | $137,256-55.9% |
| Participation rate | 27.3% | 76.2%-49.0pp | 73.8%-46.5pp | 80.0%-52.7pp |
| Annual return | 19.75% | 353.14%-333.4pp | 292.57%-272.8pp | 220.34%-200.6pp |
| Employer contribution / active EE | $857 | $2,788-69.3% | $2,649-67.6% | $4,156-79.4% |
| Participant deferral / active EE | $3,849 | $4,410-12.7% | $4,123-6.6% | $6,407-39.9% |
| Admin fee / account holder | $1,556 | $5,336-70.8% | $5,150-69.8% | $12,270-87.3% |