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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 | $68,185 | $157,304-56.7% | $141,197-51.7% | $152,909-55.4% |
| Participation rate | 69.6% | 84.8%-15.3pp | 82.5%-12.9pp | 82.5%-12.9pp |
| Annual return | 24.38% | 64.34%-40.0pp | 71.41%-47.0pp | 345.46%-321.1pp |
| Employer contribution / active EE | $2,087 | $5,263-60.3% | $4,736-55.9% | $4,764-56.2% |
| Participant deferral / active EE | $4,210 | $7,111-40.8% | $6,710-37.3% | $5,851-28.0% |
| Admin fee / account holder | $434 | $12,126-96.4% | $10,265-95.8% | $11,601-96.3% |