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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 | $183,539-23.5% | $155,556-9.7% | $145,897-3.8% |
| Participation rate | 44.4% | 82.7%-38.3pp | 78.2%-33.8pp | 80.3%-35.9pp |
| Annual return | 15.98% | 61.31%-45.3pp | 64.84%-48.9pp | 552.29%-536.3pp |
| Employer contribution / active EE | $1,328 | $5,315-75.0% | $4,675-71.6% | $4,663-71.5% |
| Participant deferral / active EE | $1,849 | $6,467-71.4% | $5,631-67.2% | $6,689-72.4% |
| Admin fee / account holder | $475 | $19,275-97.5% | $15,885-97.0% | $13,390-96.5% |