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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 | $39,734 | $72,071-44.9% | $68,368-41.9% | $137,256-71.1% |
| Participation rate | 63.6% | 76.2%-12.6pp | 73.8%-10.1pp | 80.0%-16.3pp |
| Annual return | 15.44% | 353.14%-337.7pp | 292.57%-277.1pp | 220.34%-204.9pp |
| Employer contribution / active EE | $1,119 | $2,788-59.9% | $2,649-57.7% | $4,156-73.1% |
| Participant deferral / active EE | $3,494 | $4,410-20.8% | $4,123-15.2% | $6,407-45.5% |
| Admin fee / account holder | $1,695 | $5,336-68.2% | $5,150-67.1% | $12,270-86.2% |