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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 | $16,614 | $90,530-81.6% | $76,030-78.1% | $145,897-88.6% |
| Participation rate | 45.5% | 74.4%-29.0pp | 69.1%-23.6pp | 80.3%-34.9pp |
| Annual return | 12.78% | 625.08%-612.3pp | 361.54%-348.8pp | 552.29%-539.5pp |
| Employer contribution / active EE | $1,041 | $3,319-68.6% | $2,688-61.3% | $4,663-77.7% |
| Participant deferral / active EE | $1,691 | $5,164-67.3% | $4,257-60.3% | $6,689-74.7% |
| Admin fee / account holder | $2,787 | $8,383-66.8% | $6,421-56.6% | $13,390-79.2% |