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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 | $116,449 | $148,623-21.6% | $135,974-14.4% | $139,466-16.5% |
| Participation rate | 37.5% | 83.9%-46.4pp | 81.9%-44.4pp | 80.3%-42.8pp |
| Annual return | 16.43% | 79.30%-62.9pp | 68.30%-51.9pp | 373.66%-357.2pp |
| Employer contribution / active EE | $1,427 | $5,246-72.8% | $4,859-70.6% | $4,754-70.0% |
| Participant deferral / active EE | $5,842 | $8,103-27.9% | $7,760-24.7% | $6,712-13.0% |
| Admin fee / account holder | $1,076 | $12,406-91.3% | $10,767-90.0% | $11,409-90.6% |