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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 | $36,625 | $129,737-71.8% | $119,126-69.3% | $154,746-76.3% |
| Participation rate | 54.5% | 78.9%-24.3pp | 75.8%-21.2pp | 80.7%-26.2pp |
| Annual return | 19.82% | 379.08%-359.3pp | 282.11%-262.3pp | 172.34%-152.5pp |
| Employer contribution / active EE | $1,321 | $4,375-69.8% | $4,034-67.2% | $4,379-69.8% |
| Participant deferral / active EE | $2,558 | $5,842-56.2% | $5,318-51.9% | $6,730-62.0% |
| Admin fee / account holder | $3,116 | $11,961-73.9% | $10,693-70.9% | $14,365-78.3% |