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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 | $42,264 | $100,203-57.8% | $85,240-50.4% | $145,897-71.0% |
| Participation rate | 42.9% | 74.1%-31.2pp | 67.5%-24.7pp | 80.3%-37.4pp |
| Annual return | 14.45% | 84.28%-69.8pp | 66.75%-52.3pp | 552.29%-537.8pp |
| Employer contribution / active EE | $421 | $3,242-87.0% | $2,735-84.6% | $4,663-91.0% |
| Participant deferral / active EE | $4,308 | $5,299-18.7% | $4,527-4.8% | $6,689-35.6% |
| Admin fee / account holder | $1,857 | $7,265-74.4% | $6,165-69.9% | $13,390-86.1% |