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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 | $109,622 | $217,432-49.6% | $185,851-41.0% | $167,553-34.6% |
| Participation rate | 50.0% | 86.1%-36.1pp | 81.7%-31.7pp | 82.1%-32.1pp |
| Annual return | 16.34% | 148.43%-132.1pp | 122.11%-105.8pp | 478.89%-462.6pp |
| Employer contribution / active EE | $2,073 | $5,874-64.7% | $5,168-59.9% | $4,840-57.2% |
| Participant deferral / active EE | $4,106 | $6,357-35.4% | $5,569-26.3% | $6,343-35.3% |
| Admin fee / account holder | $59,399 | $19,820+199.7% | $16,245+265.6% | $12,316+382.3% |