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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 | $55,807 | $111,535-50.0% | $105,223-47.0% | $137,256-59.3% |
| Participation rate | 31.8% | 78.1%-46.3pp | 75.0%-43.2pp | 80.0%-48.1pp |
| Annual return | 18.52% | 237.85%-219.3pp | 180.65%-162.1pp | 220.34%-201.8pp |
| Employer contribution / active EE | $2,100 | $3,939-46.7% | $3,689-43.1% | $4,156-49.5% |
| Participant deferral / active EE | $3,859 | $5,500-29.8% | $5,072-23.9% | $6,407-39.8% |
| Admin fee / account holder | $783 | $9,721-92.0% | $8,859-91.2% | $12,270-93.6% |