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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 | $37,979 | $111,535-65.9% | $105,223-63.9% | $137,256-72.3% |
| Participation rate | 66.7% | 78.1%-11.4pp | 75.0%-8.4pp | 80.0%-13.3pp |
| Annual return | 12.66% | 237.85%-225.2pp | 180.65%-168.0pp | 220.34%-207.7pp |
| Employer contribution / active EE | $2,027 | $3,939-48.5% | $3,689-45.0% | $4,156-51.2% |
| Participant deferral / active EE | $2,805 | $5,500-49.0% | $5,072-44.7% | $6,407-56.2% |
| Admin fee / account holder | $3,643 | $9,721-62.5% | $8,859-58.9% | $12,270-70.3% |