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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 | $135,680 | $148,623-8.7% | $135,974-0.2% | $139,466-2.7% |
| Participation rate | 27.8% | 83.9%-56.1pp | 81.9%-54.1pp | 80.3%-52.6pp |
| Annual return | 16.08% | 79.30%-63.2pp | 68.30%-52.2pp | 373.66%-357.6pp |
| Employer contribution / active EE | $1,115 | $5,246-78.7% | $4,859-77.0% | $4,754-76.5% |
| Participant deferral / active EE | $4,379 | $8,103-46.0% | $7,760-43.6% | $6,712-34.8% |
| Admin fee / account holder | $1,689 | $12,406-86.4% | $10,767-84.3% | $11,409-85.2% |