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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 | $134,817-72.8% | $123,973-70.5% | $155,188-76.4% |
| Participation rate | 54.5% | 79.4%-24.9pp | 76.7%-22.1pp | 80.8%-26.3pp |
| Annual return | 19.82% | 515.49%-495.7pp | 388.13%-368.3pp | 148.84%-129.0pp |
| Employer contribution / active EE | $1,321 | $4,425-70.1% | $4,126-68.0% | $4,248-68.9% |
| Participant deferral / active EE | $2,558 | $5,706-55.2% | $5,247-51.3% | $6,531-60.8% |
| Admin fee / account holder | $3,116 | $13,245-76.5% | $11,799-73.6% | $14,480-78.5% |