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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 | $103,151 | $175,259-41.1% | $149,723-31.1% | $139,487-26.0% |
| Participation rate | 62.5% | 83.4%-20.9pp | 78.8%-16.3pp | 80.3%-17.8pp |
| Annual return | 18.48% | 166.82%-148.3pp | 134.50%-116.0pp | 373.84%-355.4pp |
| Employer contribution / active EE | $1,894 | $5,478-65.4% | $4,821-60.7% | $4,755-60.2% |
| Participant deferral / active EE | $4,369 | $6,522-33.0% | $5,682-23.1% | $6,713-34.9% |
| Admin fee / account holder | $1,877 | $16,158-88.4% | $13,215-85.8% | $11,407-83.5% |