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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 | $59,095 | $65,555-9.9% | $86,216-31.5% | $75,173-21.4% |
| Participation rate | 42.3% | 60.5%-18.2pp | 69.0%-26.7pp | 67.2%-24.9pp |
| Annual return | 18.77% | 46.07%-27.3pp | 1169.42%-1150.7pp | 160.72%-142.0pp |
| Employer contribution / active EE | $635 | $1,553-59.1% | $2,382-73.3% | $2,671-76.2% |
| Participant deferral / active EE | $2,079 | $3,023-31.2% | $3,986-47.8% | $4,126-49.6% |
| Admin fee / account holder | $383 | $5,469-93.0% | $6,853-94.4% | $5,651-93.2% |