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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 | $88,073 | $148,629-40.7% | $135,982-35.2% | $139,487-36.9% |
| Participation rate | 46.2% | 83.9%-37.7pp | 81.9%-35.8pp | 80.3%-34.2pp |
| Annual return | 21.52% | 79.33%-57.8pp | 68.32%-46.8pp | 373.84%-352.3pp |
| Employer contribution / active EE | $1,723 | $5,247-67.2% | $4,859-64.5% | $4,755-63.8% |
| Participant deferral / active EE | $5,530 | $8,102-31.7% | $7,760-28.7% | $6,713-17.6% |
| Admin fee / account holder | $387 | $12,406-96.9% | $10,767-96.4% | $11,407-96.6% |