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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 | $55,807 | $129,737-57.0% | $119,126-53.2% | $154,746-63.9% |
| Participation rate | 31.8% | 78.9%-47.0pp | 75.8%-43.9pp | 80.7%-48.9pp |
| Annual return | 18.52% | 379.08%-360.6pp | 282.11%-263.6pp | 172.34%-153.8pp |
| Employer contribution / active EE | $2,100 | $4,375-52.0% | $4,034-47.9% | $4,379-52.0% |
| Participant deferral / active EE | $3,859 | $5,842-33.9% | $5,318-27.4% | $6,730-42.7% |
| Admin fee / account holder | $783 | $11,961-93.5% | $10,693-92.7% | $14,365-94.6% |