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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 | $109,258 | $149,040-26.7% | $120,225-9.1% | $137,256-20.4% |
| Participation rate | 50.0% | 75.4%-25.4pp | 69.6%-19.6pp | 80.0%-30.0pp |
| Annual return | 16.30% | 605.68%-589.4pp | 439.23%-422.9pp | 220.34%-204.0pp |
| Employer contribution / active EE | $609 | $4,350-86.0% | $3,475-82.5% | $4,156-85.3% |
| Participant deferral / active EE | $1,560 | $4,655-66.5% | $3,999-61.0% | $6,407-75.6% |
| Admin fee / account holder | $959 | $6,348-84.9% | $5,696-83.2% | $12,270-92.2% |