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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 | $35,758 | $107,363-66.7% | $92,909-61.5% | $152,897-76.6% |
| Participation rate | 63.2% | 79.8%-16.6pp | 76.0%-12.8pp | 82.5%-19.3pp |
| Annual return | 22.55% | 145.63%-123.1pp | 109.44%-86.9pp | 345.43%-322.9pp |
| Employer contribution / active EE | $1,643 | $4,222-61.1% | $3,653-55.0% | $4,764-65.5% |
| Participant deferral / active EE | $3,472 | $4,848-28.4% | $4,238-18.1% | $5,851-40.7% |
| Admin fee / account holder | $6,959 | $7,082-1.7% | $5,795+20.1% | $11,599-40.0% |