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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 | $54,758 | $110,039-50.2% | $97,260-43.7% | $145,884-62.5% |
| Participation rate | 69.2% | 75.9%-6.7pp | 72.7%-3.4pp | 80.3%-11.1pp |
| Annual return | 11.11% | 244.44%-233.3pp | 75.54%-64.4pp | 551.85%-540.7pp |
| Employer contribution / active EE | $831 | $3,074-73.0% | $2,721-69.5% | $4,662-82.2% |
| Participant deferral / active EE | $1,329 | $4,674-71.6% | $4,262-68.8% | $6,690-80.1% |
| Admin fee / account holder | $436 | $6,204-93.0% | $5,640-92.3% | $13,392-96.7% |