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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 | $42,499 | $88,754-52.1% | $81,820-48.1% | $145,877-70.9% |
| Participation rate | 68.8% | 75.1%-6.3pp | 72.4%-3.6pp | 80.3%-11.6pp |
| Annual return | 11.88% | 1031.77%-1019.9pp | 777.93%-766.0pp | 551.28%-539.4pp |
| Employer contribution / active EE | $1,621 | $3,085-47.5% | $2,915-44.4% | $4,663-65.2% |
| Participant deferral / active EE | $2,789 | $4,648-40.0% | $4,323-35.5% | $6,691-58.3% |
| Admin fee / account holder | $823 | $8,424-90.2% | $7,391-88.9% | $13,402-93.9% |