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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 | $56,380 | $94,749-40.5% | $112,899-50.1% | $139,466-59.6% |
| Participation rate | 57.1% | 81.3%-24.1pp | 80.5%-23.4pp | 80.3%-23.2pp |
| Annual return | 21.49% | 40.92%-19.4pp | 34.11%-12.6pp | 373.66%-352.2pp |
| Employer contribution / active EE | $2,157 | $4,630-53.4% | $4,566-52.8% | $4,754-54.6% |
| Participant deferral / active EE | $4,252 | $6,517-34.8% | $6,516-34.7% | $6,712-36.7% |
| Admin fee / account holder | $361 | $8,530-95.8% | $7,047-94.9% | $11,409-96.8% |