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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 | $61,565 | $165,351-62.8% | $149,710-58.9% | $158,931-61.3% |
| Participation rate | 50.0% | 84.6%-34.6pp | 82.5%-32.5pp | 82.0%-32.0pp |
| Annual return | 11.36% | 348.19%-336.8pp | 276.63%-265.3pp | 302.86%-291.5pp |
| Employer contribution / active EE | $1,215 | $5,103-76.2% | $4,645-73.8% | $4,761-74.5% |
| Participant deferral / active EE | $2,787 | $7,181-61.2% | $6,842-59.3% | $5,982-53.4% |
| Admin fee / account holder | $1,791 | $10,807-83.4% | $9,309-80.8% | $11,247-84.1% |