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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 | $112,281 | $217,427-48.4% | $185,837-39.6% | $167,518-33.0% |
| Participation rate | 52.2% | 86.0%-33.9pp | 81.7%-29.5pp | 82.1%-29.9pp |
| Annual return | 15.96% | 148.39%-132.4pp | 122.08%-106.1pp | 478.71%-462.7pp |
| Employer contribution / active EE | $2,656 | $5,874-54.8% | $5,168-48.6% | $4,838-45.1% |
| Participant deferral / active EE | $4,155 | $6,357-34.6% | $5,568-25.4% | $6,342-34.5% |
| Admin fee / account holder | $3,571 | $19,816-82.0% | $16,241-78.0% | $12,312-71.0% |