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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 | $41,462 | $100,203-58.6% | $85,240-51.4% | $145,897-71.6% |
| Participation rate | 33.3% | 74.1%-40.8pp | 67.5%-34.2pp | 80.3%-47.0pp |
| Annual return | 12.88% | 84.28%-71.4pp | 66.75%-53.9pp | 552.29%-539.4pp |
| Employer contribution / active EE | $1,343 | $3,242-58.6% | $2,735-50.9% | $4,663-71.2% |
| Participant deferral / active EE | $2,585 | $5,299-51.2% | $4,527-42.9% | $6,689-61.3% |
| Admin fee / account holder | $911 | $7,265-87.5% | $6,165-85.2% | $13,390-93.2% |