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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 | $29,345 | $107,363-72.7% | $92,909-68.4% | $152,897-80.8% |
| Participation rate | 66.7% | 79.8%-13.1pp | 76.0%-9.3pp | 82.5%-15.8pp |
| Annual return | 20.80% | 145.63%-124.8pp | 109.44%-88.6pp | 345.43%-324.6pp |
| Employer contribution / active EE | $1,795 | $4,222-57.5% | $3,653-50.9% | $4,764-62.3% |
| Participant deferral / active EE | $2,039 | $4,848-57.9% | $4,238-51.9% | $5,851-65.2% |
| Admin fee / account holder | $781 | $7,082-89.0% | $5,795-86.5% | $11,599-93.3% |