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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 | $75,173 | $118,877-36.8% | $96,570-22.2% | $167,536-55.1% |
| Participation rate | 61.9% | 75.5%-13.6pp | 69.8%-7.9pp | 82.1%-20.2pp |
| Annual return | 13.20% | 50.50%-37.3pp | 37.79%-24.6pp | 478.82%-465.6pp |
| Employer contribution / active EE | $1,091 | $3,121-65.0% | $2,357-53.7% | $4,839-77.5% |
| Participant deferral / active EE | $3,011 | $4,617-34.8% | $3,849-21.8% | $6,342-52.5% |
| Admin fee / account holder | $819 | $8,069-89.9% | $6,182-86.8% | $12,315-93.4% |