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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 | $90,614-81.7% | $76,089-78.2% | $145,877-88.6% |
| Participation rate | 45.5% | 74.5%-29.0pp | 69.1%-23.6pp | 80.3%-34.8pp |
| Annual return | 12.78% | 623.80%-611.0pp | 360.94%-348.2pp | 551.28%-538.5pp |
| Employer contribution / active EE | $1,041 | $3,324-68.7% | $2,690-61.3% | $4,663-77.7% |
| Participant deferral / active EE | $1,691 | $5,168-67.3% | $4,259-60.3% | $6,691-74.7% |
| Admin fee / account holder | $2,787 | $8,376-66.7% | $6,418-56.6% | $13,402-79.2% |