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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 | $62,372 | $108,942-42.7% | $100,415-37.9% | $145,897-57.2% |
| Participation rate | 58.3% | 83.0%-24.6pp | 81.5%-23.2pp | 80.3%-22.0pp |
| Annual return | 18.52% | 58.27%-39.8pp | 49.47%-31.0pp | 552.29%-533.8pp |
| Employer contribution / active EE | $1,596 | $4,422-63.9% | $3,943-59.5% | $4,663-65.8% |
| Participant deferral / active EE | $3,065 | $8,461-63.8% | $8,091-62.1% | $6,689-54.2% |
| Admin fee / account holder | $628 | $9,702-93.5% | $7,906-92.1% | $13,390-95.3% |