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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 | $107,713 | $165,399-34.9% | $149,745-28.1% | $158,982-32.2% |
| Participation rate | 57.1% | 84.6%-27.4pp | 82.5%-25.3pp | 82.0%-24.8pp |
| Annual return | 14.31% | 348.34%-334.0pp | 276.72%-262.4pp | 302.99%-288.7pp |
| Employer contribution / active EE | $3,023 | $5,105-40.8% | $4,646-34.9% | $4,763-36.5% |
| Participant deferral / active EE | $5,273 | $7,183-26.6% | $6,843-22.9% | $5,983-11.9% |
| Admin fee / account holder | $1,117 | $10,811-89.7% | $9,312-88.0% | $11,252-90.1% |