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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 | $56,606 | $148,623-61.9% | $135,974-58.4% | $139,466-59.4% |
| Participation rate | 66.7% | 83.9%-17.2pp | 81.9%-15.3pp | 80.3%-13.7pp |
| Annual return | 17.94% | 79.30%-61.4pp | 68.30%-50.4pp | 373.66%-355.7pp |
| Employer contribution / active EE | $1,719 | $5,246-67.2% | $4,859-64.6% | $4,754-63.8% |
| Participant deferral / active EE | $4,669 | $8,103-42.4% | $7,760-39.8% | $6,712-30.4% |
| Admin fee / account holder | $6,492 | $12,406-47.7% | $10,767-39.7% | $11,409-43.1% |