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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 | $48,153 | $105,158-54.2% | $94,672-49.1% | $139,487-65.5% |
| Participation rate | 60.0% | 82.4%-22.4pp | 80.8%-20.8pp | 80.3%-20.3pp |
| Annual return | 21.17% | 38.11%-16.9pp | 156.89%-135.7pp | 373.84%-352.7pp |
| Employer contribution / active EE | $1,621 | $4,107-60.5% | $3,673-55.9% | $4,755-65.9% |
| Participant deferral / active EE | $2,603 | $7,599-65.7% | $7,417-64.9% | $6,713-61.2% |
| Admin fee / account holder | $1,063 | $8,972-88.2% | $7,222-85.3% | $11,407-90.7% |