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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 | $79,285 | $117,433-32.5% | $99,475-20.3% | $152,897-48.1% |
| Participation rate | 42.9% | 77.5%-34.7pp | 73.8%-31.0pp | 82.5%-39.6pp |
| Annual return | 23.64% | 31.87%-8.2pp | 30.72%-7.1pp | 345.43%-321.8pp |
| Employer contribution / active EE | $903 | $3,013-70.0% | $2,540-64.5% | $4,764-81.0% |
| Participant deferral / active EE | $2,616 | $4,086-36.0% | $3,619-27.7% | $5,851-55.3% |
| Admin fee / account holder | $353 | $7,634-95.4% | $6,252-94.4% | $11,599-97.0% |