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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 | $69,871 | $165,381-57.8% | $149,730-53.3% | $158,966-56.0% |
| Participation rate | 60.0% | 84.6%-24.6pp | 82.5%-22.5pp | 82.0%-22.0pp |
| Annual return | 28.46% | 348.29%-319.8pp | 276.70%-248.2pp | 302.95%-274.5pp |
| Employer contribution / active EE | $1,415 | $5,104-72.3% | $4,645-69.5% | $4,762-70.3% |
| Participant deferral / active EE | $4,615 | $7,182-35.8% | $6,843-32.6% | $5,983-22.9% |
| Admin fee / account holder | $507 | $10,809-95.3% | $9,310-94.6% | $11,250-95.5% |