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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 | $43,241 | $90,530-52.2% | $76,030-43.1% | $145,897-70.4% |
| Participation rate | 64.7% | 74.4%-9.7pp | 69.1%-4.4pp | 80.3%-15.6pp |
| Annual return | 11.43% | 625.08%-613.7pp | 361.54%-350.1pp | 552.29%-540.9pp |
| Employer contribution / active EE | $618 | $3,319-81.4% | $2,688-77.0% | $4,663-86.8% |
| Participant deferral / active EE | $1,144 | $5,164-77.9% | $4,257-73.1% | $6,689-82.9% |
| Admin fee / account holder | $377 | $8,383-95.5% | $6,421-94.1% | $13,390-97.2% |