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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 | $84,316 | $134,817-37.5% | $123,973-32.0% | $155,188-45.7% |
| Participation rate | 60.0% | 79.4%-19.4pp | 76.7%-16.7pp | 80.8%-20.8pp |
| Annual return | 17.88% | 515.49%-497.6pp | 388.13%-370.2pp | 148.84%-131.0pp |
| Employer contribution / active EE | $3,099 | $4,425-30.0% | $4,126-24.9% | $4,248-27.0% |
| Participant deferral / active EE | $3,099 | $5,706-45.7% | $5,247-40.9% | $6,531-52.6% |
| Admin fee / account holder | $1,146 | $13,245-91.3% | $11,799-90.3% | $14,480-92.1% |