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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 | $32,151 | $107,368-70.1% | $92,915-65.4% | $152,909-79.0% |
| Participation rate | 64.7% | 79.8%-15.1pp | 76.0%-11.3pp | 82.5%-17.7pp |
| Annual return | 22.57% | 145.64%-123.1pp | 109.45%-86.9pp | 345.46%-322.9pp |
| Employer contribution / active EE | $1,300 | $4,222-69.2% | $3,653-64.4% | $4,764-72.7% |
| Participant deferral / active EE | $4,484 | $4,848-7.5% | $4,238+5.8% | $5,851-23.4% |
| Admin fee / account holder | $3,766 | $7,082-46.8% | $5,796-35.0% | $11,601-67.5% |