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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 | $62,760 | $198,457-68.4% | $170,435-63.2% | $147,586-57.5% |
| Participation rate | 60.0% | 88.0%-28.0pp | 83.6%-23.6pp | 82.8%-22.8pp |
| Annual return | 12.41% | 257.30%-244.9pp | 205.94%-193.5pp | 578.59%-566.2pp |
| Employer contribution / active EE | $1,755 | $6,183-71.6% | $5,432-67.7% | $4,876-64.0% |
| Participant deferral / active EE | $4,107 | $5,629-27.1% | $4,939-16.9% | $5,439-24.5% |
| Admin fee / account holder | $6,783 | $16,852-59.7% | $13,881-51.1% | $10,886-37.7% |