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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 | $97,129 | $114,119-14.9% | $107,187-9.4% | $138,895-30.1% |
| Participation rate | 57.1% | 78.1%-20.9pp | 75.0%-17.9pp | 79.9%-22.8pp |
| Annual return | 13.69% | 273.21%-259.5pp | 204.55%-190.9pp | 145.39%-131.7pp |
| Employer contribution / active EE | $1,222 | $4,059-69.9% | $3,782-67.7% | $4,194-70.9% |
| Participant deferral / active EE | $3,213 | $5,538-42.0% | $5,096-36.9% | $6,396-49.8% |
| Admin fee / account holder | $516 | $10,024-94.8% | $9,162-94.4% | $12,562-95.9% |