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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 | $90,622 | $107,368-15.6% | $92,915-2.5% | $152,909-40.7% |
| Participation rate | 61.1% | 79.8%-18.7pp | 76.0%-14.9pp | 82.5%-21.3pp |
| Annual return | 20.48% | 145.64%-125.2pp | 109.45%-89.0pp | 345.46%-325.0pp |
| Employer contribution / active EE | $1,186 | $4,222-71.9% | $3,653-67.5% | $4,764-75.1% |
| Participant deferral / active EE | $2,422 | $4,848-50.1% | $4,238-42.9% | $5,851-58.6% |
| Admin fee / account holder | $7,508 | $7,082+6.0% | $5,796+29.5% | $11,601-35.3% |