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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 | $92,752 | $148,623-37.6% | $135,974-31.8% | $139,466-33.5% |
| Participation rate | 55.6% | 83.9%-28.3pp | 81.9%-26.4pp | 80.3%-24.8pp |
| Annual return | 18.06% | 79.30%-61.2pp | 68.30%-50.2pp | 373.66%-355.6pp |
| Employer contribution / active EE | $1,643 | $5,246-68.7% | $4,859-66.2% | $4,754-65.4% |
| Participant deferral / active EE | $3,398 | $8,103-58.1% | $7,760-56.2% | $6,712-49.4% |
| Admin fee / account holder | $1,498 | $12,406-87.9% | $10,767-86.1% | $11,409-86.9% |