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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 | $140,398 | $183,592-23.5% | $155,574-9.8% | $145,877-3.8% |
| Participation rate | 44.4% | 82.7%-38.3pp | 78.2%-33.8pp | 80.3%-35.9pp |
| Annual return | 15.98% | 61.37%-45.4pp | 64.87%-48.9pp | 551.28%-535.3pp |
| Employer contribution / active EE | $1,328 | $5,317-75.0% | $4,676-71.6% | $4,663-71.5% |
| Participant deferral / active EE | $1,849 | $6,466-71.4% | $5,629-67.2% | $6,691-72.4% |
| Admin fee / account holder | $475 | $19,316-97.5% | $15,914-97.0% | $13,402-96.5% |