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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 | $14,080 | $109,411-87.1% | $89,435-84.3% | $158,982-91.1% |
| Participation rate | 50.0% | 74.3%-24.3pp | 68.0%-18.0pp | 82.0%-32.0pp |
| Annual return | 19.03% | 345.68%-326.6pp | 245.55%-226.5pp | 302.99%-284.0pp |
| Employer contribution / active EE | $1,271 | $3,173-60.0% | $2,587-50.9% | $4,763-73.3% |
| Participant deferral / active EE | $3,342 | $4,600-27.3% | $3,890-14.1% | $5,983-44.1% |
| Admin fee / account holder | $1,363 | $6,159-77.9% | $4,884-72.1% | $11,252-87.9% |