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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 | $93,514 | $125,190-25.3% | $105,624-11.5% | $145,897-35.9% |
| Participation rate | 45.5% | 77.6%-32.2pp | 75.3%-29.8pp | 80.3%-34.9pp |
| Annual return | 13.46% | 225.22%-211.8pp | 116.20%-102.7pp | 552.29%-538.8pp |
| Employer contribution / active EE | $1,473 | $3,720-60.4% | $3,168-53.5% | $4,663-68.4% |
| Participant deferral / active EE | $2,915 | $5,716-49.0% | $5,013-41.8% | $6,689-56.4% |
| Admin fee / account holder | $3,329 | $17,138-80.6% | $10,961-69.6% | $13,390-75.1% |