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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 | $55,020 | $148,582-63.0% | $135,942-59.5% | $139,456-60.5% |
| Participation rate | 60.9% | 83.9%-23.0pp | 81.9%-21.0pp | 80.3%-19.5pp |
| Annual return | 14.59% | 79.26%-64.7pp | 68.28%-53.7pp | 373.45%-358.9pp |
| Employer contribution / active EE | $1,535 | $5,245-70.7% | $4,858-68.4% | $4,753-67.7% |
| Participant deferral / active EE | $2,631 | $8,101-67.5% | $7,759-66.1% | $6,711-60.8% |
| Admin fee / account holder | $1,719 | $12,402-86.1% | $10,764-84.0% | $11,407-84.9% |