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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 | $63,953 | $185,883-65.6% | $170,043-62.4% | $139,466-54.1% |
| Participation rate | 50.0% | 87.8%-37.8pp | 87.0%-37.0pp | 80.3%-30.3pp |
| Annual return | 19.60% | 60.54%-40.9pp | 53.40%-33.8pp | 373.66%-354.1pp |
| Employer contribution / active EE | $1,735 | $7,596-77.2% | $6,790-74.4% | $4,754-63.5% |
| Participant deferral / active EE | $8,647 | $11,626-25.6% | $10,410-16.9% | $6,712+28.8% |
| Admin fee / account holder | $358 | $15,393-97.7% | $12,824-97.2% | $11,409-96.9% |