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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 | $94,813 | $149,040-36.4% | $120,225-21.1% | $137,256-30.9% |
| Participation rate | 60.0% | 75.4%-15.4pp | 69.6%-9.6pp | 80.0%-20.0pp |
| Annual return | 16.68% | 605.68%-589.0pp | 439.23%-422.5pp | 220.34%-203.7pp |
| Employer contribution / active EE | $1,317 | $4,350-69.7% | $3,475-62.1% | $4,156-68.3% |
| Participant deferral / active EE | $4,997 | $4,655+7.4% | $3,999+25.0% | $6,407-22.0% |
| Admin fee / account holder | $1,404 | $6,348-77.9% | $5,696-75.4% | $12,270-88.6% |