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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 | $98,777 | $208,088-52.5% | $186,193-46.9% | $154,746-36.2% |
| Participation rate | 55.6% | 80.0%-24.4pp | 77.1%-21.6pp | 80.7%-25.1pp |
| Annual return | 17.94% | 89.97%-72.0pp | 78.03%-60.1pp | 172.34%-154.4pp |
| Employer contribution / active EE | $1,019 | $4,340-76.5% | $3,918-74.0% | $4,379-76.7% |
| Participant deferral / active EE | $5,594 | $7,078-21.0% | $6,513-14.1% | $6,730-16.9% |
| Admin fee / account holder | $1,746 | $11,698-85.1% | $11,058-84.2% | $14,365-87.8% |