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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 | $41,731 | $95,580-56.3% | $76,872-45.7% | $139,466-70.1% |
| Participation rate | 50.0% | 74.0%-24.0pp | 69.6%-19.6pp | 80.3%-30.3pp |
| Annual return | 19.26% | 55.00%-35.7pp | 37.90%-18.6pp | 373.66%-354.4pp |
| Employer contribution / active EE | $1,347 | $3,145-57.2% | $2,533-46.8% | $4,754-71.7% |
| Participant deferral / active EE | $1,612 | $4,623-65.1% | $3,832-57.9% | $6,712-76.0% |
| Admin fee / account holder | $1,623 | $8,302-80.5% | $5,476-70.4% | $11,409-85.8% |