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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 | $37,646 | $77,416-51.4% | $69,464-45.8% | $152,897-75.4% |
| Participation rate | 63.6% | 78.1%-14.5pp | 74.6%-11.0pp | 82.5%-18.8pp |
| Annual return | 28.35% | 39.08%-10.7pp | 28.98%-0.6pp | 345.43%-317.1pp |
| Employer contribution / active EE | $2,012 | $3,315-39.3% | $2,779-27.6% | $4,764-57.8% |
| Participant deferral / active EE | $2,510 | $4,413-43.1% | $3,536-29.0% | $5,851-57.1% |
| Admin fee / account holder | $418 | $6,208-93.3% | $3,840-89.1% | $11,599-96.4% |