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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 | $63,612 | $72,071-11.7% | $68,368-7.0% | $137,256-53.7% |
| Participation rate | 64.7% | 76.2%-11.5pp | 73.8%-9.0pp | 80.0%-15.3pp |
| Annual return | 13.73% | 353.14%-339.4pp | 292.57%-278.8pp | 220.34%-206.6pp |
| Employer contribution / active EE | $1,496 | $2,788-46.3% | $2,649-43.5% | $4,156-64.0% |
| Participant deferral / active EE | $4,396 | $4,410-0.3% | $4,123+6.6% | $6,407-31.4% |
| Admin fee / account holder | $4,312 | $5,336-19.2% | $5,150-16.3% | $12,270-64.9% |