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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 | $33,597 | $103,038-67.4% | $90,324-62.8% | $152,909-78.0% |
| Participation rate | 58.3% | 75.9%-17.5pp | 73.3%-14.9pp | 82.5%-24.1pp |
| Annual return | 24.03% | 95.25%-71.2pp | 78.15%-54.1pp | 345.46%-321.4pp |
| Employer contribution / active EE | $1,310 | $3,141-58.3% | $2,856-54.1% | $4,764-72.5% |
| Participant deferral / active EE | $3,454 | $4,282-19.3% | $3,885-11.1% | $5,851-41.0% |
| Admin fee / account holder | $2,673 | $6,177-56.7% | $5,356-50.1% | $11,601-77.0% |