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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 | $55,605 | $111,535-50.1% | $105,223-47.2% | $137,256-59.5% |
| Participation rate | 29.4% | 78.1%-48.7pp | 75.0%-45.6pp | 80.0%-50.5pp |
| Annual return | 13.54% | 237.85%-224.3pp | 180.65%-167.1pp | 220.34%-206.8pp |
| Employer contribution / active EE | $874 | $3,939-77.8% | $3,689-76.3% | $4,156-79.0% |
| Participant deferral / active EE | $1,470 | $5,500-73.3% | $5,072-71.0% | $6,407-77.1% |
| Admin fee / account holder | $983 | $9,721-89.9% | $8,859-88.9% | $12,270-92.0% |