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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 | $70,143 | $183,592-61.8% | $155,574-54.9% | $145,877-51.9% |
| Participation rate | 44.4% | 82.7%-38.3pp | 78.2%-33.8pp | 80.3%-35.9pp |
| Annual return | 12.95% | 61.37%-48.4pp | 64.87%-51.9pp | 551.28%-538.3pp |
| Employer contribution / active EE | $1,799 | $5,317-66.2% | $4,676-61.5% | $4,663-61.4% |
| Participant deferral / active EE | $6,738 | $6,466+4.2% | $5,629+19.7% | $6,691+0.7% |
| Admin fee / account holder | $1,712 | $19,316-91.1% | $15,914-89.2% | $13,402-87.2% |