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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 | $55,280 | $109,411-49.5% | $89,435-38.2% | $158,982-65.2% |
| Participation rate | 69.2% | 74.3%-5.0pp | 68.0%+1.2pp | 82.0%-12.7pp |
| Annual return | 12.57% | 345.68%-333.1pp | 245.55%-233.0pp | 302.99%-290.4pp |
| Employer contribution / active EE | $1,609 | $3,173-49.3% | $2,587-37.8% | $4,763-66.2% |
| Participant deferral / active EE | $3,249 | $4,600-29.4% | $3,890-16.5% | $5,983-45.7% |
| Admin fee / account holder | $1,931 | $6,159-68.6% | $4,884-60.5% | $11,252-82.8% |