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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 | $41,402 | $90,691-54.3% | $76,119-45.6% | $145,884-71.6% |
| Participation rate | 66.7% | 74.5%-7.8pp | 69.1%-2.4pp | 80.3%-13.6pp |
| Annual return | 11.52% | 624.52%-613.0pp | 361.25%-349.7pp | 551.85%-540.3pp |
| Employer contribution / active EE | $1,893 | $3,329-43.1% | $2,693-29.7% | $4,662-59.4% |
| Participant deferral / active EE | $3,500 | $5,167-32.3% | $4,259-17.8% | $6,690-47.7% |
| Admin fee / account holder | $2,476 | $8,383-70.5% | $6,421-61.4% | $13,392-81.5% |