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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 | $78,690 | $183,539-57.1% | $155,556-49.4% | $145,897-46.1% |
| Participation rate | 58.8% | 82.7%-23.9pp | 78.2%-19.4pp | 80.3%-21.5pp |
| Annual return | 17.45% | 61.31%-43.9pp | 64.84%-47.4pp | 552.29%-534.8pp |
| Employer contribution / active EE | $1,969 | $5,315-63.0% | $4,675-57.9% | $4,663-57.8% |
| Participant deferral / active EE | $3,762 | $6,467-41.8% | $5,631-33.2% | $6,689-43.8% |
| Admin fee / account holder | $4,145 | $19,275-78.5% | $15,885-73.9% | $13,390-69.0% |