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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 | $102,333 | $124,336-17.7% | $111,303-8.1% | $167,518-38.9% |
| Participation rate | 35.7% | 79.6%-43.9pp | 77.3%-41.6pp | 82.1%-46.4pp |
| Annual return | 12.47% | 37.45%-25.0pp | 54.66%-42.2pp | 478.71%-466.2pp |
| Employer contribution / active EE | $964 | $3,436-72.0% | $2,731-64.7% | $4,838-80.1% |
| Participant deferral / active EE | $3,116 | $5,181-39.9% | $4,487-30.6% | $6,342-50.9% |
| Admin fee / account holder | $4,035 | $10,623-62.0% | $7,966-49.3% | $12,312-67.2% |