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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 | $40,571 | $108,911-62.7% | $100,392-59.6% | $145,884-72.2% |
| Participation rate | 64.3% | 83.0%-18.7pp | 81.5%-17.2pp | 80.3%-16.0pp |
| Annual return | 14.78% | 58.23%-43.5pp | 49.45%-34.7pp | 551.85%-537.1pp |
| Employer contribution / active EE | $3,384 | $4,420-23.4% | $3,941-14.1% | $4,662-27.4% |
| Participant deferral / active EE | $8,063 | $8,459-4.7% | $8,090-0.3% | $6,690+20.5% |
| Admin fee / account holder | $4,403 | $9,698-54.6% | $7,904-44.3% | $13,392-67.1% |