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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 | $68,531 | $125,184-45.3% | $105,607-35.1% | $145,884-53.0% |
| Participation rate | 36.4% | 77.6%-41.3pp | 75.3%-38.9pp | 80.3%-43.9pp |
| Annual return | 15.18% | 225.00%-209.8pp | 116.11%-100.9pp | 551.85%-536.7pp |
| Employer contribution / active EE | $1,286 | $3,720-65.4% | $3,167-59.4% | $4,662-72.4% |
| Participant deferral / active EE | $3,394 | $5,714-40.6% | $5,011-32.3% | $6,690-49.3% |
| Admin fee / account holder | $12,152 | $17,133-29.1% | $10,958+10.9% | $13,392-9.3% |