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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 | $78,905 | $172,111-54.2% | $150,298-47.5% | $137,256-42.5% |
| Participation rate | 57.9% | 81.7%-23.8pp | 77.8%-19.9pp | 80.0%-22.1pp |
| Annual return | 12.04% | 69.37%-57.3pp | 62.79%-50.7pp | 220.34%-208.3pp |
| Employer contribution / active EE | $1,710 | $4,636-63.1% | $4,154-58.8% | $4,156-58.9% |
| Participant deferral / active EE | $3,968 | $6,166-35.6% | $5,453-27.2% | $6,407-38.1% |
| Admin fee / account holder | $3,368 | $16,471-79.6% | $14,116-76.1% | $12,270-72.6% |