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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 | $36,530 | $49,896-26.8% | $80,627-54.7% | $75,173-51.4% |
| Participation rate | 36.1% | 55.3%-19.2pp | 67.0%-30.9pp | 67.2%-31.1pp |
| Annual return | 21.72% | 34.67%-13.0pp | 936.76%-915.0pp | 160.72%-139.0pp |
| Employer contribution / active EE | $755 | $1,699-55.6% | $2,723-72.3% | $2,671-71.7% |
| Participant deferral / active EE | $1,707 | $2,992-42.9% | $4,443-61.6% | $4,126-58.6% |
| Admin fee / account holder | $2,464 | $3,578-31.1% | $5,381-54.2% | $5,651-56.4% |