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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 | $80,932 | $183,539-55.9% | $155,556-48.0% | $145,897-44.5% |
| Participation rate | 57.1% | 82.7%-25.6pp | 78.2%-21.1pp | 80.3%-23.2pp |
| Annual return | 23.57% | 61.31%-37.7pp | 64.84%-41.3pp | 552.29%-528.7pp |
| Employer contribution / active EE | $1,716 | $5,315-67.7% | $4,675-63.3% | $4,663-63.2% |
| Participant deferral / active EE | $5,531 | $6,467-14.5% | $5,631-1.8% | $6,689-17.3% |
| Admin fee / account holder | $5,619 | $19,275-70.8% | $15,885-64.6% | $13,390-58.0% |