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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 | $86,134 | $117,859-26.9% | $102,438-15.9% | $145,959-41.0% |
| Participation rate | 55.6% | 78.6%-23.0pp | 76.5%-20.9pp | 80.3%-24.7pp |
| Annual return | 10.52% | 31.72%-21.2pp | 29.37%-18.8pp | 561.95%-551.4pp |
| Employer contribution / active EE | $1,567 | $3,615-56.7% | $3,024-48.2% | $4,661-66.4% |
| Participant deferral / active EE | $5,260 | $5,732-8.2% | $5,054+4.1% | $6,689-21.4% |
| Admin fee / account holder | $1,256 | $13,318-90.6% | $9,448-86.7% | $13,398-90.6% |