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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 | $94,331 | $177,353-46.8% | $158,226-40.4% | $198,609-52.5% |
| Participation rate | 58.3% | 77.0%-18.7pp | 74.8%-16.5pp | 82.4%-24.0pp |
| Annual return | 11.02% | 599.50%-588.5pp | 501.41%-490.4pp | 202.70%-191.7pp |
| Employer contribution / active EE | $606 | $3,239-81.3% | $2,986-79.7% | $5,055-88.0% |
| Participant deferral / active EE | $1,155 | $4,615-75.0% | $4,317-73.2% | $6,977-83.4% |
| Admin fee / account holder | $6,050 | $10,960-44.8% | $10,217-40.8% | $19,030-68.2% |