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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 | $56,852 | $102,696-44.6% | $86,235-34.1% | $139,487-59.2% |
| Participation rate | 45.0% | 74.5%-29.5pp | 69.0%-24.0pp | 80.3%-35.3pp |
| Annual return | 19.15% | 1925.91%-1906.8pp | 1170.03%-1150.9pp | 373.84%-354.7pp |
| Employer contribution / active EE | $912 | $3,034-69.9% | $2,381-61.7% | $4,755-80.8% |
| Participant deferral / active EE | $1,755 | $4,679-62.5% | $3,987-56.0% | $6,713-73.9% |
| Admin fee / account holder | $1,759 | $8,667-79.7% | $6,856-74.3% | $11,407-84.6% |