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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 | $82,380 | $148,629-44.6% | $135,982-39.4% | $139,487-40.9% |
| Participation rate | 66.7% | 83.9%-17.2pp | 81.9%-15.3pp | 80.3%-13.7pp |
| Annual return | 18.67% | 79.33%-60.7pp | 68.32%-49.7pp | 373.84%-355.2pp |
| Employer contribution / active EE | $2,130 | $5,247-59.4% | $4,859-56.2% | $4,755-55.2% |
| Participant deferral / active EE | $5,749 | $8,102-29.1% | $7,760-25.9% | $6,713-14.4% |
| Admin fee / account holder | $2,993 | $12,406-75.9% | $10,767-72.2% | $11,407-73.8% |