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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 | $37,812 | $208,088-81.8% | $186,193-79.7% | $154,746-75.6% |
| Participation rate | 63.6% | 80.0%-16.4pp | 77.1%-13.5pp | 80.7%-17.1pp |
| Annual return | 18.57% | 89.97%-71.4pp | 78.03%-59.5pp | 172.34%-153.8pp |
| Employer contribution / active EE | $1,608 | $4,340-63.0% | $3,918-59.0% | $4,379-63.3% |
| Participant deferral / active EE | $3,175 | $7,078-55.1% | $6,513-51.2% | $6,730-52.8% |
| Admin fee / account holder | $567 | $11,698-95.2% | $11,058-94.9% | $14,365-96.1% |