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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 | $35,401 | $100,139-64.6% | $85,187-58.4% | $145,884-75.7% |
| Participation rate | 66.7% | 74.1%-7.4pp | 67.5%-0.9pp | 80.3%-13.6pp |
| Annual return | 13.22% | 84.15%-70.9pp | 66.67%-53.4pp | 551.85%-538.6pp |
| Employer contribution / active EE | $1,820 | $3,238-43.8% | $2,732-33.4% | $4,662-61.0% |
| Participant deferral / active EE | $3,002 | $5,296-43.3% | $4,525-33.7% | $6,690-55.1% |
| Admin fee / account holder | $2,905 | $7,262-60.0% | $6,162-52.9% | $13,392-78.3% |