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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 | $61,388 | $65,555-6.4% | $86,216-28.8% | $75,173-18.3% |
| Participation rate | 51.9% | 60.5%-8.6pp | 69.0%-17.1pp | 67.2%-15.4pp |
| Annual return | 17.94% | 46.07%-28.1pp | 1169.42%-1151.5pp | 160.72%-142.8pp |
| Employer contribution / active EE | $1,148 | $1,553-26.1% | $2,382-51.8% | $2,671-57.0% |
| Participant deferral / active EE | $2,526 | $3,023-16.4% | $3,986-36.6% | $4,126-38.8% |
| Admin fee / account holder | $429 | $5,469-92.2% | $6,853-93.7% | $5,651-92.4% |