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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 | $55,122 | $90,530-39.1% | $76,030-27.5% | $145,897-62.2% |
| Participation rate | 55.6% | 74.4%-18.9pp | 69.1%-13.5pp | 80.3%-24.8pp |
| Annual return | 9.65% | 625.08%-615.4pp | 361.54%-351.9pp | 552.29%-542.6pp |
| Employer contribution / active EE | $1,279 | $3,319-61.5% | $2,688-52.4% | $4,663-72.6% |
| Participant deferral / active EE | $2,571 | $5,164-50.2% | $4,257-39.6% | $6,689-61.6% |
| Admin fee / account holder | $382 | $8,383-95.4% | $6,421-94.0% | $13,390-97.1% |