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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 | $87,227 | $129,737-32.8% | $119,126-26.8% | $154,746-43.6% |
| Participation rate | 38.9% | 78.9%-40.0pp | 75.8%-36.9pp | 80.7%-41.8pp |
| Annual return | 14.25% | 379.08%-364.8pp | 282.11%-267.9pp | 172.34%-158.1pp |
| Employer contribution / active EE | $1,235 | $4,375-71.8% | $4,034-69.4% | $4,379-71.8% |
| Participant deferral / active EE | $2,208 | $5,842-62.2% | $5,318-58.5% | $6,730-67.2% |
| Admin fee / account holder | $915 | $11,961-92.3% | $10,693-91.4% | $14,365-93.6% |