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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 | $57,292 | $148,623-61.5% | $135,974-57.9% | $139,466-58.9% |
| Participation rate | 57.9% | 83.9%-26.0pp | 81.9%-24.0pp | 80.3%-22.4pp |
| Annual return | 19.26% | 79.30%-60.0pp | 68.30%-49.0pp | 373.66%-354.4pp |
| Employer contribution / active EE | $3,262 | $5,246-37.8% | $4,859-32.9% | $4,754-31.4% |
| Participant deferral / active EE | $4,996 | $8,103-38.3% | $7,760-35.6% | $6,712-25.6% |
| Admin fee / account holder | $1,313 | $12,406-89.4% | $10,767-87.8% | $11,409-88.5% |