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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 | $67,160 | $166,131-59.6% | $164,975-59.3% | $145,877-54.0% |
| Participation rate | 68.8% | 82.0%-13.3pp | 78.6%-9.9pp | 80.3%-11.6pp |
| Annual return | 10.80% | 100.37%-89.6pp | 70.12%-59.3pp | 551.28%-540.5pp |
| Employer contribution / active EE | $1,190 | $5,276-77.4% | $4,343-72.6% | $4,663-74.5% |
| Participant deferral / active EE | $2,118 | $6,962-69.6% | $6,033-64.9% | $6,691-68.3% |
| Admin fee / account holder | $2,804 | $16,648-83.2% | $12,688-77.9% | $13,402-79.1% |