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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 | $89,915 | $165,399-45.6% | $149,745-40.0% | $158,982-43.4% |
| Participation rate | 55.6% | 84.6%-29.0pp | 82.5%-26.9pp | 82.0%-26.4pp |
| Annual return | 21.64% | 348.34%-326.7pp | 276.72%-255.1pp | 302.99%-281.4pp |
| Employer contribution / active EE | $2,482 | $5,105-51.4% | $4,646-46.6% | $4,763-47.9% |
| Participant deferral / active EE | $6,506 | $7,183-9.4% | $6,843-4.9% | $5,983+8.7% |
| Admin fee / account holder | $7,969 | $10,811-26.3% | $9,312-14.4% | $11,252-29.2% |