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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 | $46,516 | $148,623-68.7% | $135,974-65.8% | $139,466-66.6% |
| Participation rate | 65.2% | 83.9%-18.6pp | 81.9%-16.7pp | 80.3%-15.1pp |
| Annual return | 17.96% | 79.30%-61.3pp | 68.30%-50.3pp | 373.66%-355.7pp |
| Employer contribution / active EE | $1,673 | $5,246-68.1% | $4,859-65.6% | $4,754-64.8% |
| Participant deferral / active EE | $6,164 | $8,103-23.9% | $7,760-20.6% | $6,712-8.2% |
| Admin fee / account holder | $458 | $12,406-96.3% | $10,767-95.7% | $11,409-96.0% |