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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 | $57,091 | $138,076-58.7% | $123,553-53.8% | $135,380-57.8% |
| Participation rate | 57.9% | 84.7%-26.8pp | 82.3%-24.4pp | 82.6%-24.7pp |
| Annual return | 1.37% | 153.70%-152.3pp | 119.21%-117.8pp | 519.81%-518.4pp |
| Employer contribution / active EE | $1,638 | $5,152-68.2% | $4,628-64.6% | $4,779-65.7% |
| Participant deferral / active EE | $2,472 | $6,800-63.6% | $6,426-61.5% | $5,609-55.9% |
| Admin fee / account holder | $1,190 | $10,917-89.1% | $9,284-87.2% | $10,828-89.0% |