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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 | $53,073 | $85,766-38.1% | $136,298-61.1% | $70,126-24.3% |
| Participation rate | 51.7% | 74.2%-22.5pp | 81.9%-30.3pp | 69.5%-17.9pp |
| Annual return | 15.79% | 31.46%-15.7pp | 5156.27%-5140.5pp | 73.15%-57.4pp |
| Employer contribution / active EE | $1,302 | $2,966-56.1% | $4,696-72.3% | $2,343-44.4% |
| Participant deferral / active EE | $2,767 | $5,051-45.2% | $6,247-55.7% | $3,332-17.0% |
| Admin fee / account holder | $1,479 | $5,421-72.7% | $9,244-84.0% | $4,645-68.2% |