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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 | $59,584 | $65,555-9.1% | $86,216-30.9% | $75,173-20.7% |
| Participation rate | 50.0% | 60.5%-10.5pp | 69.0%-19.0pp | 67.2%-17.2pp |
| Annual return | 19.81% | 46.07%-26.3pp | 1169.42%-1149.6pp | 160.72%-140.9pp |
| Employer contribution / active EE | $782 | $1,553-49.6% | $2,382-67.2% | $2,671-70.7% |
| Participant deferral / active EE | $2,266 | $3,023-25.1% | $3,986-43.2% | $4,126-45.1% |
| Admin fee / account holder | $681 | $5,469-87.5% | $6,853-90.1% | $5,651-87.9% |