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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 | $110,508 | $148,629-25.6% | $135,982-18.7% | $139,487-20.8% |
| Participation rate | 57.1% | 83.9%-26.7pp | 81.9%-24.8pp | 80.3%-23.2pp |
| Annual return | 19.60% | 79.33%-59.7pp | 68.32%-48.7pp | 373.84%-354.2pp |
| Employer contribution / active EE | $1,690 | $5,247-67.8% | $4,859-65.2% | $4,755-64.5% |
| Participant deferral / active EE | $4,570 | $8,102-43.6% | $7,760-41.1% | $6,713-31.9% |
| Admin fee / account holder | $811 | $12,406-93.5% | $10,767-92.5% | $11,407-92.9% |