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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 | $28,563 | $58,391-51.1% | $76,657-62.7% | $72,975-60.9% |
| Participation rate | 44.4% | 67.4%-22.9pp | 72.1%-27.7pp | 69.5%-25.0pp |
| Annual return | 24.43% | 2306.65%-2282.2pp | 1166.74%-1142.3pp | 81.01%-56.6pp |
| Employer contribution / active EE | $937 | $1,787-47.5% | $2,303-59.3% | $2,440-61.6% |
| Participant deferral / active EE | $3,463 | $2,690+28.7% | $3,335+3.8% | $3,608-4.0% |
| Admin fee / account holder | $4,606 | $4,014+14.7% | $6,423-28.3% | $5,124-10.1% |