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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 | $72,230 | $129,737-44.3% | $119,126-39.4% | $154,746-53.3% |
| Participation rate | 46.2% | 78.9%-32.7pp | 75.8%-29.6pp | 80.7%-34.5pp |
| Annual return | 14.46% | 379.08%-364.6pp | 282.11%-267.6pp | 172.34%-157.9pp |
| Employer contribution / active EE | $1,291 | $4,375-70.5% | $4,034-68.0% | $4,379-70.5% |
| Participant deferral / active EE | $4,341 | $5,842-25.7% | $5,318-18.4% | $6,730-35.5% |
| Admin fee / account holder | $4,927 | $11,961-58.8% | $10,693-53.9% | $14,365-65.7% |