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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 | $49,027 | $202,440-75.8% | $169,390-71.1% | $139,466-64.8% |
| Participation rate | 68.8% | 81.1%-12.4pp | 77.2%-8.4pp | 80.3%-11.6pp |
| Annual return | 16.80% | 532.36%-515.6pp | 406.07%-389.3pp | 373.66%-356.9pp |
| Employer contribution / active EE | $1,677 | $4,693-64.3% | $4,013-58.2% | $4,754-64.7% |
| Participant deferral / active EE | $5,711 | $6,940-17.7% | $6,222-8.2% | $6,712-14.9% |
| Admin fee / account holder | $719 | $10,722-93.3% | $9,015-92.0% | $11,409-93.7% |