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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 | $99,334 | $183,627-45.9% | $155,602-36.2% | $145,978-32.0% |
| Participation rate | 22.2% | 82.7%-60.5pp | 78.2%-56.0pp | 80.3%-58.1pp |
| Annual return | 15.13% | 61.32%-46.2pp | 64.81%-49.7pp | 550.52%-535.4pp |
| Employer contribution / active EE | $2,965 | $5,316-44.2% | $4,675-36.6% | $4,662-36.4% |
| Participant deferral / active EE | $4,811 | $6,466-25.6% | $5,629-14.5% | $6,690-28.1% |
| Admin fee / account holder | $398 | $19,327-97.9% | $15,923-97.5% | $13,400-97.0% |