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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 | $63,171 | $111,535-43.4% | $105,223-40.0% | $137,256-54.0% |
| Participation rate | 29.2% | 78.1%-48.9pp | 75.0%-45.9pp | 80.0%-50.8pp |
| Annual return | 17.68% | 237.85%-220.2pp | 180.65%-163.0pp | 220.34%-202.7pp |
| Employer contribution / active EE | $850 | $3,939-78.4% | $3,689-76.9% | $4,156-79.5% |
| Participant deferral / active EE | $1,679 | $5,500-69.5% | $5,072-66.9% | $6,407-73.8% |
| Admin fee / account holder | $475 | $9,721-95.1% | $8,859-94.6% | $12,270-96.1% |