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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 | $100,139-58.6% | $85,187-51.3% | $145,884-71.6% |
| Participation rate | 33.3% | 74.1%-40.8pp | 67.5%-34.2pp | 80.3%-47.0pp |
| Annual return | 12.88% | 84.15%-71.3pp | 66.67%-53.8pp | 551.85%-539.0pp |
| Employer contribution / active EE | $1,343 | $3,238-58.5% | $2,732-50.8% | $4,662-71.2% |
| Participant deferral / active EE | $2,585 | $5,296-51.2% | $4,525-42.9% | $6,690-61.4% |
| Admin fee / account holder | $911 | $7,262-87.5% | $6,162-85.2% | $13,392-93.2% |