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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 | $44,185 | $183,516-75.9% | $155,534-71.6% | $145,884-69.7% |
| Participation rate | 29.4% | 82.7%-53.3pp | 78.2%-48.8pp | 80.3%-50.9pp |
| Annual return | 17.04% | 61.43%-44.4pp | 64.92%-47.9pp | 551.85%-534.8pp |
| Employer contribution / active EE | $1,173 | $5,315-77.9% | $4,675-74.9% | $4,662-74.8% |
| Participant deferral / active EE | $3,130 | $6,467-51.6% | $5,630-44.4% | $6,690-53.2% |
| Admin fee / account holder | $11,573 | $19,293-40.0% | $15,900-27.2% | $13,392-13.6% |