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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 | $34,311 | $121,701-71.8% | $104,639-67.2% | $158,982-78.4% |
| Participation rate | 60.0% | 77.5%-17.5pp | 74.1%-14.1pp | 82.0%-22.0pp |
| Annual return | 17.19% | 465.72%-448.5pp | 340.67%-323.5pp | 302.99%-285.8pp |
| Employer contribution / active EE | $955 | $3,165-69.8% | $2,682-64.4% | $4,763-79.9% |
| Participant deferral / active EE | $2,177 | $4,176-47.9% | $3,738-41.8% | $5,983-63.6% |
| Admin fee / account holder | $600 | $7,778-92.3% | $6,465-90.7% | $11,252-94.7% |