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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 | $104,464 | $168,636-38.1% | $147,618-29.2% | $125,388-16.7% |
| Participation rate | 35.7% | 88.8%-53.1pp | 84.6%-48.9pp | 83.2%-47.5pp |
| Annual return | 1.63% | 77.65%-76.0pp | 61.98%-60.4pp | 282.24%-280.6pp |
| Employer contribution / active EE | $5,825 | $6,252-6.8% | $5,565+4.7% | $4,866+19.7% |
| Participant deferral / active EE | $3,998 | $5,507-27.4% | $4,895-18.3% | $5,352-25.3% |
| Admin fee / account holder | $17,162 | $13,580+26.4% | $11,612+47.8% | $9,541+79.9% |