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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 | $167,030-43.2% | $135,768-30.2% | $155,188-38.9% |
| Participation rate | 60.0% | 76.2%-16.2pp | 71.1%-11.1pp | 80.8%-20.8pp |
| Annual return | 16.68% | 678.39%-661.7pp | 526.10%-509.4pp | 148.84%-132.2pp |
| Employer contribution / active EE | $1,317 | $4,132-68.1% | $3,394-61.2% | $4,248-69.0% |
| Participant deferral / active EE | $4,997 | $4,528+10.4% | $3,977+25.6% | $6,531-23.5% |
| Admin fee / account holder | $1,404 | $8,172-82.8% | $7,048-80.1% | $14,480-90.3% |