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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 | $70,814 | $144,130-50.9% | $117,861-39.9% | $147,586-52.0% |
| Participation rate | 65.0% | 83.4%-18.4pp | 79.7%-14.7pp | 82.8%-17.8pp |
| Annual return | 16.30% | 531.20%-514.9pp | 335.11%-318.8pp | 578.59%-562.3pp |
| Employer contribution / active EE | $1,251 | $4,897-74.5% | $3,786-67.0% | $4,876-74.3% |
| Participant deferral / active EE | $2,407 | $5,316-54.7% | $4,482-46.3% | $5,439-55.7% |
| Admin fee / account holder | $371 | $10,887-96.6% | $8,021-95.4% | $10,886-96.6% |