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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 | $74,578 | $165,399-54.9% | $149,745-50.2% | $158,982-53.1% |
| Participation rate | 69.2% | 84.6%-15.3pp | 82.5%-13.3pp | 82.0%-12.7pp |
| Annual return | 18.59% | 348.34%-329.7pp | 276.72%-258.1pp | 302.99%-284.4pp |
| Employer contribution / active EE | $953 | $5,105-81.3% | $4,646-79.5% | $4,763-80.0% |
| Participant deferral / active EE | $2,420 | $7,183-66.3% | $6,843-64.6% | $5,983-59.5% |
| Admin fee / account holder | $505 | $10,811-95.3% | $9,312-94.6% | $11,252-95.5% |