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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 | $85,123 | $148,629-42.7% | $135,982-37.4% | $139,487-39.0% |
| Participation rate | 26.7% | 83.9%-57.2pp | 81.9%-55.3pp | 80.3%-53.7pp |
| Annual return | 19.43% | 79.33%-59.9pp | 68.32%-48.9pp | 373.84%-354.4pp |
| Employer contribution / active EE | $2,149 | $5,247-59.0% | $4,859-55.8% | $4,755-54.8% |
| Participant deferral / active EE | $4,492 | $8,102-44.6% | $7,760-42.1% | $6,713-33.1% |
| Admin fee / account holder | $1,876 | $12,406-84.9% | $10,767-82.6% | $11,407-83.6% |