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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 | $59,161 | $107,368-44.9% | $92,915-36.3% | $152,909-61.3% |
| Participation rate | 69.2% | 79.8%-10.6pp | 76.0%-6.8pp | 82.5%-13.2pp |
| Annual return | 21.76% | 145.64%-123.9pp | 109.45%-87.7pp | 345.46%-323.7pp |
| Employer contribution / active EE | $815 | $4,222-80.7% | $3,653-77.7% | $4,764-82.9% |
| Participant deferral / active EE | $1,702 | $4,848-64.9% | $4,238-59.8% | $5,851-70.9% |
| Admin fee / account holder | $610 | $7,082-91.4% | $5,796-89.5% | $11,601-94.7% |