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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 | $67,263 | $175,259-61.6% | $149,723-55.1% | $139,487-51.8% |
| Participation rate | 42.9% | 83.4%-40.5pp | 78.8%-35.9pp | 80.3%-37.5pp |
| Annual return | 15.01% | 166.82%-151.8pp | 134.50%-119.5pp | 373.84%-358.8pp |
| Employer contribution / active EE | $2,028 | $5,478-63.0% | $4,821-57.9% | $4,755-57.3% |
| Participant deferral / active EE | $4,599 | $6,522-29.5% | $5,682-19.1% | $6,713-31.5% |
| Admin fee / account holder | $3,259 | $16,158-79.8% | $13,215-75.3% | $11,407-71.4% |