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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 | $29,042 | $90,614-68.0% | $76,089-61.8% | $145,877-80.1% |
| Participation rate | 58.8% | 74.5%-15.7pp | 69.1%-10.3pp | 80.3%-21.5pp |
| Annual return | 15.67% | 623.80%-608.1pp | 360.94%-345.3pp | 551.28%-535.6pp |
| Employer contribution / active EE | $1,546 | $3,324-53.5% | $2,690-42.5% | $4,663-66.8% |
| Participant deferral / active EE | $3,043 | $5,168-41.1% | $4,259-28.6% | $6,691-54.5% |
| Admin fee / account holder | $2,343 | $8,376-72.0% | $6,418-63.5% | $13,402-82.5% |