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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 | $183,516-61.8% | $155,534-54.9% | $145,884-51.9% |
| Participation rate | 44.4% | 82.7%-38.3pp | 78.2%-33.8pp | 80.3%-35.9pp |
| Annual return | 12.95% | 61.43%-48.5pp | 64.92%-52.0pp | 551.85%-538.9pp |
| Employer contribution / active EE | $1,799 | $5,315-66.2% | $4,675-61.5% | $4,662-61.4% |
| Participant deferral / active EE | $6,738 | $6,467+4.2% | $5,630+19.7% | $6,690+0.7% |
| Admin fee / account holder | $1,712 | $19,293-91.1% | $15,900-89.2% | $13,392-87.2% |