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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 | $83,634 | $129,737-35.5% | $119,126-29.8% | $154,746-46.0% |
| Participation rate | 57.9% | 78.9%-21.0pp | 75.8%-17.9pp | 80.7%-22.8pp |
| Annual return | 20.77% | 379.08%-358.3pp | 282.11%-261.3pp | 172.34%-151.6pp |
| Employer contribution / active EE | $1,877 | $4,375-57.1% | $4,034-53.5% | $4,379-57.1% |
| Participant deferral / active EE | $6,110 | $5,842+4.6% | $5,318+14.9% | $6,730-9.2% |
| Admin fee / account holder | $2,432 | $11,961-79.7% | $10,693-77.3% | $14,365-83.1% |