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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 | $93,160 | $148,623-37.3% | $135,974-31.5% | $139,466-33.2% |
| Participation rate | 63.6% | 83.9%-20.2pp | 81.9%-18.3pp | 80.3%-16.7pp |
| Annual return | 15.74% | 79.30%-63.6pp | 68.30%-52.6pp | 373.66%-357.9pp |
| Employer contribution / active EE | $1,079 | $5,246-79.4% | $4,859-77.8% | $4,754-77.3% |
| Participant deferral / active EE | $3,331 | $8,103-58.9% | $7,760-57.1% | $6,712-50.4% |
| Admin fee / account holder | $1,562 | $12,406-87.4% | $10,767-85.5% | $11,409-86.3% |