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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 | $38,029 | $117,895-67.7% | $102,460-62.9% | $145,897-73.9% |
| Participation rate | 62.5% | 78.6%-16.1pp | 76.5%-14.0pp | 80.3%-17.8pp |
| Annual return | 15.16% | 31.92%-16.8pp | 29.47%-14.3pp | 552.29%-537.1pp |
| Employer contribution / active EE | $2,012 | $3,619-44.4% | $3,025-33.5% | $4,663-56.8% |
| Participant deferral / active EE | $6,156 | $5,736+7.3% | $5,056+21.7% | $6,689-8.0% |
| Admin fee / account holder | $815 | $13,353-93.9% | $9,460-91.4% | $13,390-93.9% |