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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 | $59,892 | $115,814-48.3% | $101,275-40.9% | $158,982-62.3% |
| Participation rate | 65.2% | 79.4%-14.2pp | 75.8%-10.6pp | 82.0%-16.7pp |
| Annual return | 9.35% | 56.16%-46.8pp | 46.48%-37.1pp | 302.99%-293.6pp |
| Employer contribution / active EE | $1,940 | $4,176-53.6% | $3,660-47.0% | $4,763-59.3% |
| Participant deferral / active EE | $2,842 | $4,958-42.7% | $4,371-35.0% | $5,983-52.5% |
| Admin fee / account holder | $3,312 | $7,249-54.3% | $5,948-44.3% | $11,252-70.6% |