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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 | $60,499 | $102,595-41.0% | $94,057-35.7% | $154,746-60.9% |
| Participation rate | 27.3% | 76.0%-48.7pp | 73.3%-46.1pp | 80.7%-53.4pp |
| Annual return | 19.75% | 583.42%-563.7pp | 480.62%-460.9pp | 172.34%-152.6pp |
| Employer contribution / active EE | $857 | $3,147-72.8% | $2,933-70.8% | $4,379-80.4% |
| Participant deferral / active EE | $3,849 | $5,118-24.8% | $4,709-18.3% | $6,730-42.8% |
| Admin fee / account holder | $1,556 | $7,736-79.9% | $7,244-78.5% | $14,365-89.2% |