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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 | $43,200 | $103,038-58.1% | $90,324-52.2% | $152,909-71.7% |
| Participation rate | 58.8% | 75.9%-17.1pp | 73.3%-14.5pp | 82.5%-23.6pp |
| Annual return | 22.40% | 95.25%-72.9pp | 78.15%-55.8pp | 345.46%-323.1pp |
| Employer contribution / active EE | $1,517 | $3,141-51.7% | $2,856-46.9% | $4,764-68.1% |
| Participant deferral / active EE | $3,983 | $4,282-7.0% | $3,885+2.5% | $5,851-31.9% |
| Admin fee / account holder | $3,413 | $6,177-44.8% | $5,356-36.3% | $11,601-70.6% |