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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 | $99,395 | $165,399-39.9% | $149,745-33.6% | $158,982-37.5% |
| Participation rate | 60.0% | 84.6%-24.6pp | 82.5%-22.5pp | 82.0%-22.0pp |
| Annual return | 16.67% | 348.34%-331.7pp | 276.72%-260.0pp | 302.99%-286.3pp |
| Employer contribution / active EE | $3,360 | $5,105-34.2% | $4,646-27.7% | $4,763-29.5% |
| Participant deferral / active EE | $5,200 | $7,183-27.6% | $6,843-24.0% | $5,983-13.1% |
| Admin fee / account holder | $355 | $10,811-96.7% | $9,312-96.2% | $11,252-96.8% |