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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 | $100,885 | $132,634-23.9% | $115,768-12.9% | $137,256-26.5% |
| Participation rate | 52.2% | 77.9%-25.7pp | 74.4%-22.2pp | 80.0%-27.8pp |
| Annual return | 15.02% | 160.70%-145.7pp | 100.46%-85.4pp | 220.34%-205.3pp |
| Employer contribution / active EE | $1,402 | $3,360-58.3% | $2,940-52.3% | $4,156-66.3% |
| Participant deferral / active EE | $2,429 | $5,619-56.8% | $4,917-50.6% | $6,407-62.1% |
| Admin fee / account holder | $5,585 | $15,028-62.8% | $12,439-55.1% | $12,270-54.5% |