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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 | $90,489-52.2% | $76,051-43.1% | $145,978-70.4% |
| Participation rate | 64.7% | 74.5%-9.8pp | 69.1%-4.4pp | 80.3%-15.6pp |
| Annual return | 11.43% | 622.78%-611.3pp | 360.42%-349.0pp | 550.52%-539.1pp |
| Employer contribution / active EE | $618 | $3,319-81.4% | $2,690-77.0% | $4,662-86.8% |
| Participant deferral / active EE | $1,144 | $5,164-77.9% | $4,257-73.1% | $6,690-82.9% |
| Admin fee / account holder | $377 | $8,374-95.5% | $6,416-94.1% | $13,400-97.2% |