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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 | $85,443 | $132,634-35.6% | $115,768-26.2% | $137,256-37.7% |
| Participation rate | 41.7% | 77.9%-36.2pp | 74.4%-32.7pp | 80.0%-38.3pp |
| Annual return | 15.56% | 160.70%-145.1pp | 100.46%-84.9pp | 220.34%-204.8pp |
| Employer contribution / active EE | $1,320 | $3,360-60.7% | $2,940-55.1% | $4,156-68.2% |
| Participant deferral / active EE | $4,314 | $5,619-23.2% | $4,917-12.3% | $6,407-32.7% |
| Admin fee / account holder | $780 | $15,028-94.8% | $12,439-93.7% | $12,270-93.6% |