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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 | $81,720 | $129,737-37.0% | $119,126-31.4% | $154,746-47.2% |
| Participation rate | 36.4% | 78.9%-42.5pp | 75.8%-39.4pp | 80.7%-44.3pp |
| Annual return | 12.05% | 379.08%-367.0pp | 282.11%-270.1pp | 172.34%-160.3pp |
| Employer contribution / active EE | $1,606 | $4,375-63.3% | $4,034-60.2% | $4,379-63.3% |
| Participant deferral / active EE | $3,705 | $5,842-36.6% | $5,318-30.3% | $6,730-45.0% |
| Admin fee / account holder | $9,875 | $11,961-17.4% | $10,693-7.7% | $14,365-31.3% |