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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 | $95,377 | $165,399-42.3% | $149,745-36.3% | $158,982-40.0% |
| Participation rate | 57.1% | 84.6%-27.4pp | 82.5%-25.3pp | 82.0%-24.8pp |
| Annual return | 23.18% | 348.34%-325.2pp | 276.72%-253.5pp | 302.99%-279.8pp |
| Employer contribution / active EE | $1,978 | $5,105-61.2% | $4,646-57.4% | $4,763-58.5% |
| Participant deferral / active EE | $8,467 | $7,183+17.9% | $6,843+23.7% | $5,983+41.5% |
| Admin fee / account holder | $20,066 | $10,811+85.6% | $9,312+115.5% | $11,252+78.3% |