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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 | $63,654 | $114,119-44.2% | $107,187-40.6% | $138,895-54.2% |
| Participation rate | 55.6% | 78.1%-22.5pp | 75.0%-19.5pp | 79.9%-24.4pp |
| Annual return | 15.15% | 273.21%-258.1pp | 204.55%-189.4pp | 145.39%-130.2pp |
| Employer contribution / active EE | $1,288 | $4,059-68.3% | $3,782-65.9% | $4,194-69.3% |
| Participant deferral / active EE | $2,633 | $5,538-52.5% | $5,096-48.3% | $6,396-58.8% |
| Admin fee / account holder | $13,243 | $10,024+32.1% | $9,162+44.5% | $12,562+5.4% |