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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 | $22,404 | $112,933-80.2% | $90,970-75.4% | $158,982-85.9% |
| Participation rate | 66.7% | 74.7%-8.1pp | 69.0%-2.3pp | 82.0%-15.3pp |
| Annual return | 15.00% | 215.82%-200.8pp | 134.60%-119.6pp | 302.99%-288.0pp |
| Employer contribution / active EE | $792 | $2,893-72.6% | $2,122-62.7% | $4,763-83.4% |
| Participant deferral / active EE | $3,110 | $4,128-24.7% | $3,373-7.8% | $5,983-48.0% |
| Admin fee / account holder | $1,469 | $8,047-81.7% | $5,961-75.4% | $11,252-86.9% |