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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 | $114,520 | $183,592-37.6% | $155,567-26.4% | $145,959-21.5% |
| Participation rate | 66.7% | 82.7%-16.0pp | 78.2%-11.5pp | 80.3%-13.6pp |
| Annual return | 11.58% | 61.24%-49.7pp | 64.74%-53.2pp | 561.95%-550.4pp |
| Employer contribution / active EE | $1,076 | $5,315-79.8% | $4,674-77.0% | $4,661-76.9% |
| Participant deferral / active EE | $2,620 | $6,464-59.5% | $5,628-53.4% | $6,689-60.8% |
| Admin fee / account holder | $929 | $19,318-95.2% | $15,916-94.2% | $13,398-93.1% |