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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 | $85,711 | $176,105-51.3% | $159,474-46.3% | $167,536-48.8% |
| Participation rate | 64.3% | 85.0%-20.7pp | 82.8%-18.5pp | 82.1%-17.8pp |
| Annual return | 16.00% | 331.91%-315.9pp | 263.68%-247.7pp | 478.82%-462.8pp |
| Employer contribution / active EE | $1,430 | $5,299-73.0% | $4,831-70.4% | $4,839-70.4% |
| Participant deferral / active EE | $4,857 | $7,751-37.3% | $7,353-33.9% | $6,342-23.4% |
| Admin fee / account holder | $2,776 | $12,559-77.9% | $10,802-74.3% | $12,315-77.5% |