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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 | $65,018 | $111,535-41.7% | $105,223-38.2% | $137,256-52.6% |
| Participation rate | 54.2% | 78.1%-23.9pp | 75.0%-20.9pp | 80.0%-25.8pp |
| Annual return | 18.75% | 237.85%-219.1pp | 180.65%-161.9pp | 220.34%-201.6pp |
| Employer contribution / active EE | $2,088 | $3,939-47.0% | $3,689-43.4% | $4,156-49.7% |
| Participant deferral / active EE | $4,885 | $5,500-11.2% | $5,072-3.7% | $6,407-23.8% |
| Admin fee / account holder | $3,008 | $9,721-69.1% | $8,859-66.0% | $12,270-75.5% |