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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 | $79,468 | $103,038-22.9% | $90,324-12.0% | $152,909-48.0% |
| Participation rate | 69.2% | 75.9%-6.6pp | 73.3%-4.1pp | 82.5%-13.2pp |
| Annual return | 22.86% | 95.25%-72.4pp | 78.15%-55.3pp | 345.46%-322.6pp |
| Employer contribution / active EE | $1,325 | $3,141-57.8% | $2,856-53.6% | $4,764-72.2% |
| Participant deferral / active EE | $1,874 | $4,282-56.2% | $3,885-51.8% | $5,851-68.0% |
| Admin fee / account holder | $4,027 | $6,177-34.8% | $5,356-24.8% | $11,601-65.3% |