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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 | $53,098 | $67,823-21.7% | $52,425+1.3% | $137,256-61.3% |
| Participation rate | 22.2% | 63.9%-41.7pp | 55.6%-33.4pp | 80.0%-57.7pp |
| Annual return | 20.75% | 219.11%-198.4pp | 302.12%-281.4pp | 220.34%-199.6pp |
| Employer contribution / active EE | $546 | $1,163-53.1% | $914-40.3% | $4,156-86.9% |
| Participant deferral / active EE | $1,605 | $2,288-29.9% | $1,790-10.4% | $6,407-75.0% |
| Admin fee / account holder | $1,564 | $2,844-45.0% | $2,495-37.3% | $12,270-87.3% |