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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 | $57,731 | $72,071-19.9% | $68,368-15.6% | $137,256-57.9% |
| Participation rate | 61.5% | 76.2%-14.7pp | 73.8%-12.2pp | 80.0%-18.4pp |
| Annual return | 16.26% | 353.14%-336.9pp | 292.57%-276.3pp | 220.34%-204.1pp |
| Employer contribution / active EE | $1,645 | $2,788-41.0% | $2,649-37.9% | $4,156-60.4% |
| Participant deferral / active EE | $2,341 | $4,410-46.9% | $4,123-43.2% | $6,407-63.5% |
| Admin fee / account holder | $3,328 | $5,336-37.6% | $5,150-35.4% | $12,270-72.9% |