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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 | $28,785 | $107,941-73.3% | $91,994-68.7% | $152,897-81.2% |
| Participation rate | 61.5% | 81.2%-19.7pp | 78.6%-17.1pp | 82.5%-20.9pp |
| Annual return | 26.63% | 89.28%-62.6pp | 69.04%-42.4pp | 345.43%-318.8pp |
| Employer contribution / active EE | $1,413 | $4,212-66.5% | $3,453-59.1% | $4,764-70.3% |
| Participant deferral / active EE | $5,009 | $6,366-21.3% | $5,924-15.4% | $5,851-14.4% |
| Admin fee / account holder | $492 | $10,521-95.3% | $7,744-93.6% | $11,599-95.8% |