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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 | $109,480 | $185,883-41.1% | $170,043-35.6% | $139,466-21.5% |
| Participation rate | 65.0% | 87.8%-22.8pp | 87.0%-22.0pp | 80.3%-15.3pp |
| Annual return | 19.02% | 60.54%-41.5pp | 53.40%-34.4pp | 373.66%-354.6pp |
| Employer contribution / active EE | $1,524 | $7,596-79.9% | $6,790-77.6% | $4,754-67.9% |
| Participant deferral / active EE | $4,571 | $11,626-60.7% | $10,410-56.1% | $6,712-31.9% |
| Admin fee / account holder | $523 | $15,393-96.6% | $12,824-95.9% | $11,409-95.4% |