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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 | $64,486 | $100,895-36.1% | $90,430-28.7% | $158,950-59.4% |
| Participation rate | 44.4% | 75.0%-30.6pp | 72.7%-28.2pp | 82.0%-37.5pp |
| Annual return | 16.64% | 1725.54%-1708.9pp | 1293.73%-1277.1pp | 302.91%-286.3pp |
| Employer contribution / active EE | $957 | $3,689-74.1% | $3,262-70.7% | $4,762-79.9% |
| Participant deferral / active EE | $2,303 | $4,347-47.0% | $3,963-41.9% | $5,983-61.5% |
| Admin fee / account holder | $8,522 | $6,505+31.0% | $5,613+51.8% | $11,248-24.2% |