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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 | $81,792 | $183,516-55.4% | $155,534-47.4% | $145,884-43.9% |
| Participation rate | 54.5% | 82.7%-28.2pp | 78.2%-23.7pp | 80.3%-25.8pp |
| Annual return | 22.35% | 61.43%-39.1pp | 64.92%-42.6pp | 551.85%-529.5pp |
| Employer contribution / active EE | $1,093 | $5,315-79.4% | $4,675-76.6% | $4,662-76.6% |
| Participant deferral / active EE | $5,605 | $6,467-13.3% | $5,630-0.4% | $6,690-16.2% |
| Admin fee / account holder | $963 | $19,293-95.0% | $15,900-93.9% | $13,392-92.8% |