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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 | $112,748 | $196,972-42.8% | $182,262-38.1% | $198,609-43.2% |
| Participation rate | 61.1% | 85.7%-24.6pp | 84.2%-23.1pp | 82.4%-21.3pp |
| Annual return | 12.82% | 158.27%-145.5pp | 140.60%-127.8pp | 202.70%-189.9pp |
| Employer contribution / active EE | $2,400 | $5,364-55.3% | $5,046-52.4% | $5,055-52.5% |
| Participant deferral / active EE | $3,829 | $8,643-55.7% | $8,276-53.7% | $6,977-45.1% |
| Admin fee / account holder | $2,025 | $18,429-89.0% | $16,712-87.9% | $19,030-89.4% |