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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 | $62,812 | $112,933-44.4% | $90,970-31.0% | $158,982-60.5% |
| Participation rate | 38.9% | 74.7%-35.8pp | 69.0%-30.1pp | 82.0%-43.1pp |
| Annual return | 12.86% | 215.82%-203.0pp | 134.60%-121.7pp | 302.99%-290.1pp |
| Employer contribution / active EE | $906 | $2,893-68.7% | $2,122-57.3% | $4,763-81.0% |
| Participant deferral / active EE | $2,251 | $4,128-45.5% | $3,373-33.3% | $5,983-62.4% |
| Admin fee / account holder | $3,304 | $8,047-58.9% | $5,961-44.6% | $11,252-70.6% |