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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 | $30,248 | $90,614-66.6% | $76,089-60.2% | $145,877-79.3% |
| Participation rate | 47.8% | 74.5%-26.7pp | 69.1%-21.3pp | 80.3%-32.5pp |
| Annual return | 15.06% | 623.80%-608.7pp | 360.94%-345.9pp | 551.28%-536.2pp |
| Employer contribution / active EE | $945 | $3,324-71.6% | $2,690-64.9% | $4,663-79.7% |
| Participant deferral / active EE | $1,173 | $5,168-77.3% | $4,259-72.5% | $6,691-82.5% |
| Admin fee / account holder | $861 | $8,376-89.7% | $6,418-86.6% | $13,402-93.6% |