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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 | $55,334 | $89,367-38.1% | $141,191-60.8% | $72,975-24.2% |
| Participation rate | 45.3% | 75.1%-29.8pp | 82.5%-37.1pp | 69.5%-24.1pp |
| Annual return | 29.38% | 111.87%-82.5pp | 71.41%-42.0pp | 81.01%-51.6pp |
| Employer contribution / active EE | $1,501 | $3,115-51.8% | $4,736-68.3% | $2,440-38.5% |
| Participant deferral / active EE | $2,973 | $5,419-45.1% | $6,710-55.7% | $3,608-17.6% |
| Admin fee / account holder | $774 | $5,957-87.0% | $10,264-92.5% | $5,124-84.9% |