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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 | $44,189 | $112,933-60.9% | $90,970-51.4% | $158,982-72.2% |
| Participation rate | 61.5% | 74.7%-13.2pp | 69.0%-7.5pp | 82.0%-20.4pp |
| Annual return | 21.35% | 215.82%-194.5pp | 134.60%-113.2pp | 302.99%-281.6pp |
| Employer contribution / active EE | $1,028 | $2,893-64.5% | $2,122-51.5% | $4,763-78.4% |
| Participant deferral / active EE | $2,621 | $4,128-36.5% | $3,373-22.3% | $5,983-56.2% |
| Admin fee / account holder | $2,371 | $8,047-70.5% | $5,961-60.2% | $11,252-78.9% |