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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 | $53,705 | $100,203-46.4% | $85,240-37.0% | $145,897-63.2% |
| Participation rate | 14.3% | 74.1%-59.8pp | 67.5%-53.2pp | 80.3%-66.0pp |
| Annual return | 10.35% | 84.28%-73.9pp | 66.75%-56.4pp | 552.29%-541.9pp |
| Employer contribution / active EE | $607 | $3,242-81.3% | $2,735-77.8% | $4,663-87.0% |
| Participant deferral / active EE | $2,611 | $5,299-50.7% | $4,527-42.3% | $6,689-61.0% |
| Admin fee / account holder | $3,364 | $7,265-53.7% | $6,165-45.4% | $13,390-74.9% |