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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 | $76,253 | $183,592-58.5% | $155,574-51.0% | $145,877-47.7% |
| Participation rate | 33.3% | 82.7%-49.4pp | 78.2%-44.9pp | 80.3%-47.0pp |
| Annual return | 10.39% | 61.37%-51.0pp | 64.87%-54.5pp | 551.28%-540.9pp |
| Employer contribution / active EE | $1,768 | $5,317-66.8% | $4,676-62.2% | $4,663-62.1% |
| Participant deferral / active EE | $3,123 | $6,466-51.7% | $5,629-44.5% | $6,691-53.3% |
| Admin fee / account holder | $2,572 | $19,316-86.7% | $15,914-83.8% | $13,402-80.8% |