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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 | $44,437 | $183,592-75.8% | $155,574-71.4% | $145,877-69.5% |
| Participation rate | 58.8% | 82.7%-23.9pp | 78.2%-19.4pp | 80.3%-21.5pp |
| Annual return | 11.81% | 61.37%-49.6pp | 64.87%-53.1pp | 551.28%-539.5pp |
| Employer contribution / active EE | $1,351 | $5,317-74.6% | $4,676-71.1% | $4,663-71.0% |
| Participant deferral / active EE | $4,165 | $6,466-35.6% | $5,629-26.0% | $6,691-37.7% |
| Admin fee / account holder | $2,433 | $19,316-87.4% | $15,914-84.7% | $13,402-81.8% |