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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 | $108,911-42.7% | $100,392-37.9% | $145,884-57.2% |
| Participation rate | 58.3% | 83.0%-24.6pp | 81.5%-23.2pp | 80.3%-22.0pp |
| Annual return | 18.52% | 58.23%-39.7pp | 49.45%-30.9pp | 551.85%-533.3pp |
| Employer contribution / active EE | $1,596 | $4,420-63.9% | $3,941-59.5% | $4,662-65.8% |
| Participant deferral / active EE | $3,065 | $8,459-63.8% | $8,090-62.1% | $6,690-54.2% |
| Admin fee / account holder | $628 | $9,698-93.5% | $7,904-92.1% | $13,392-95.3% |