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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 | $130,159 | $182,442-28.7% | $163,379-20.3% | $138,895-6.3% |
| Participation rate | 40.0% | 79.8%-39.8pp | 76.8%-36.8pp | 79.9%-39.9pp |
| Annual return | 11.39% | 72.74%-61.3pp | 63.41%-52.0pp | 145.39%-134.0pp |
| Employer contribution / active EE | $1,555 | $4,159-62.6% | $3,752-58.6% | $4,194-62.9% |
| Participant deferral / active EE | $3,574 | $6,817-47.6% | $6,282-43.1% | $6,396-44.1% |
| Admin fee / account holder | $28,826 | $10,396+177.3% | $9,818+193.6% | $12,562+129.5% |