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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 | $79,073 | $112,915-30.0% | $90,965-13.1% | $158,950-50.3% |
| Participation rate | 61.5% | 74.7%-13.2pp | 69.0%-7.5pp | 82.0%-20.4pp |
| Annual return | 16.07% | 215.75%-199.7pp | 134.57%-118.5pp | 302.91%-286.8pp |
| Employer contribution / active EE | $1,662 | $2,894-42.6% | $2,122-21.7% | $4,762-65.1% |
| Participant deferral / active EE | $3,260 | $4,128-21.0% | $3,373-3.4% | $5,983-45.5% |
| Admin fee / account holder | $408 | $8,044-94.9% | $5,960-93.2% | $11,248-96.4% |