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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 | $183,592-63.9% | $155,574-57.4% | $145,877-54.6% |
| Participation rate | 60.0% | 82.7%-22.7pp | 78.2%-18.2pp | 80.3%-20.3pp |
| Annual return | 15.69% | 61.37%-45.7pp | 64.87%-49.2pp | 551.28%-535.6pp |
| Employer contribution / active EE | $1,643 | $5,317-69.1% | $4,676-64.9% | $4,663-64.8% |
| Participant deferral / active EE | $3,657 | $6,466-43.4% | $5,629-35.0% | $6,691-45.3% |
| Admin fee / account holder | $2,842 | $19,316-85.3% | $15,914-82.1% | $13,402-78.8% |