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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 | $129,737-35.0% | $119,126-29.2% | $154,746-45.5% |
| Participation rate | 60.0% | 78.9%-18.9pp | 75.8%-15.8pp | 80.7%-20.7pp |
| Annual return | 17.88% | 379.08%-361.2pp | 282.11%-264.2pp | 172.34%-154.5pp |
| Employer contribution / active EE | $3,099 | $4,375-29.2% | $4,034-23.2% | $4,379-29.2% |
| Participant deferral / active EE | $3,099 | $5,842-47.0% | $5,318-41.7% | $6,730-54.0% |
| Admin fee / account holder | $1,146 | $11,961-90.4% | $10,693-89.3% | $14,365-92.0% |