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 | $116,100 | $148,651-21.9% | $135,998-14.6% | $139,500-16.8% |
| Participation rate | 60.0% | 83.9%-23.9pp | 81.9%-21.9pp | 80.3%-20.3pp |
| Annual return | 17.52% | 79.36%-61.8pp | 68.37%-50.9pp | 373.99%-356.5pp |
| Employer contribution / active EE | $2,052 | $5,247-60.9% | $4,860-57.8% | $4,755-56.9% |
| Participant deferral / active EE | $5,286 | $8,103-34.8% | $7,761-31.9% | $6,713-21.3% |
| Admin fee / account holder | $5,972 | $12,409-51.9% | $10,769-44.5% | $11,410-47.7% |