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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 | $101,705 | $185,883-45.3% | $170,043-40.2% | $139,466-27.1% |
| Participation rate | 68.4% | 87.8%-19.3pp | 87.0%-18.6pp | 80.3%-11.9pp |
| Annual return | 11.59% | 60.54%-49.0pp | 53.40%-41.8pp | 373.66%-362.1pp |
| Employer contribution / active EE | $1,765 | $7,596-76.8% | $6,790-74.0% | $4,754-62.9% |
| Participant deferral / active EE | $3,602 | $11,626-69.0% | $10,410-65.4% | $6,712-46.3% |
| Admin fee / account holder | $326 | $15,393-97.9% | $12,824-97.5% | $11,409-97.1% |