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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 | $84,020 | $175,231-52.1% | $149,696-43.9% | $139,466-39.8% |
| Participation rate | 64.3% | 83.4%-19.1pp | 78.8%-14.5pp | 80.3%-16.0pp |
| Annual return | 17.82% | 166.77%-148.9pp | 134.46%-116.6pp | 373.66%-355.8pp |
| Employer contribution / active EE | $2,350 | $5,478-57.1% | $4,821-51.3% | $4,754-50.6% |
| Participant deferral / active EE | $5,095 | $6,521-21.9% | $5,682-10.3% | $6,712-24.1% |
| Admin fee / account holder | $907 | $16,155-94.4% | $13,212-93.1% | $11,409-92.1% |