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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 | $135,429 | $185,312-26.9% | $161,489-16.1% | $154,746-12.5% |
| Participation rate | 50.0% | 82.5%-32.5pp | 78.7%-28.7pp | 80.7%-30.7pp |
| Annual return | 17.50% | 103.84%-86.3pp | 89.72%-72.2pp | 172.34%-154.8pp |
| Employer contribution / active EE | $1,587 | $4,769-66.7% | $4,268-62.8% | $4,379-63.8% |
| Participant deferral / active EE | $3,575 | $6,350-43.7% | $5,630-36.5% | $6,730-46.9% |
| Admin fee / account holder | $1,285 | $18,654-93.1% | $16,006-92.0% | $14,365-91.1% |