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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 | $75,707 | $103,008-26.5% | $90,304-16.2% | $152,897-50.5% |
| Participation rate | 40.0% | 75.9%-35.9pp | 73.3%-33.3pp | 82.5%-42.5pp |
| Annual return | 19.29% | 95.22%-75.9pp | 78.13%-58.8pp | 345.43%-326.1pp |
| Employer contribution / active EE | $982 | $3,139-68.7% | $2,855-65.6% | $4,764-79.4% |
| Participant deferral / active EE | $1,357 | $4,281-68.3% | $3,885-65.1% | $5,851-76.8% |
| Admin fee / account holder | $303 | $6,175-95.1% | $5,354-94.3% | $11,599-97.4% |