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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 | $84,744 | $134,817-37.1% | $123,973-31.6% | $155,188-45.4% |
| Participation rate | 53.8% | 79.4%-25.6pp | 76.7%-22.8pp | 80.8%-27.0pp |
| Annual return | 16.58% | 515.49%-498.9pp | 388.13%-371.5pp | 148.84%-132.3pp |
| Employer contribution / active EE | $2,488 | $4,425-43.8% | $4,126-39.7% | $4,248-41.4% |
| Participant deferral / active EE | $4,249 | $5,706-25.5% | $5,247-19.0% | $6,531-34.9% |
| Admin fee / account holder | $2,017 | $13,245-84.8% | $11,799-82.9% | $14,480-86.1% |