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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 | $80,146 | $111,830-28.3% | $93,696-14.5% | $145,884-45.1% |
| Participation rate | 52.9% | 74.2%-21.3pp | 68.7%-15.8pp | 80.3%-27.4pp |
| Annual return | 16.11% | 204.08%-188.0pp | 133.74%-117.6pp | 551.85%-535.7pp |
| Employer contribution / active EE | $2,468 | $3,093-20.2% | $2,422+1.9% | $4,662-47.1% |
| Participant deferral / active EE | $3,919 | $4,920-20.4% | $4,417-11.3% | $6,690-41.4% |
| Admin fee / account holder | $466 | $10,249-95.4% | $8,287-94.4% | $13,392-96.5% |