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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 | $66,264 | $183,539-63.9% | $155,556-57.4% | $145,897-54.6% |
| Participation rate | 60.0% | 82.7%-22.7pp | 78.2%-18.2pp | 80.3%-20.3pp |
| Annual return | 15.69% | 61.31%-45.6pp | 64.84%-49.1pp | 552.29%-536.6pp |
| Employer contribution / active EE | $1,643 | $5,315-69.1% | $4,675-64.9% | $4,663-64.8% |
| Participant deferral / active EE | $3,657 | $6,467-43.4% | $5,631-35.0% | $6,689-45.3% |
| Admin fee / account holder | $2,842 | $19,275-85.3% | $15,885-82.1% | $13,390-78.8% |