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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 | $78,505 | $106,267-26.1% | $96,520-18.7% | $139,456-43.7% |
| Participation rate | 42.1% | 77.8%-35.7pp | 74.3%-32.2pp | 80.3%-38.2pp |
| Annual return | 15.49% | 38.45%-23.0pp | 35.72%-20.2pp | 373.45%-358.0pp |
| Employer contribution / active EE | $1,693 | $4,105-58.7% | $3,739-54.7% | $4,753-64.4% |
| Participant deferral / active EE | $3,936 | $5,454-27.8% | $4,879-19.3% | $6,711-41.4% |
| Admin fee / account holder | $6,850 | $7,882-13.1% | $6,733+1.7% | $11,407-39.9% |