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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 | $28,552 | $85,766-66.7% | $136,297-79.1% | $70,131-59.3% |
| Participation rate | 63.2% | 74.2%-11.0pp | 81.9%-18.8pp | 69.5%-6.4pp |
| Annual return | 17.72% | 31.45%-13.7pp | 5156.16%-5138.4pp | 73.14%-55.4pp |
| Employer contribution / active EE | $3,046 | $2,966+2.7% | $4,696-35.1% | $2,342+30.0% |
| Participant deferral / active EE | $2,587 | $5,051-48.8% | $6,247-58.6% | $3,332-22.3% |
| Admin fee / account holder | $7,899 | $5,420+45.7% | $9,244-14.5% | $4,645+70.0% |