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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 | $62,810 | $124,330-49.5% | $109,173-42.5% | $167,536-62.5% |
| Participation rate | 33.3% | 79.5%-46.1pp | 75.9%-42.5pp | 82.1%-48.8pp |
| Annual return | 16.85% | 26.04%-9.2pp | 25.75%-8.9pp | 478.82%-462.0pp |
| Employer contribution / active EE | $798 | $4,209-81.0% | $3,723-78.6% | $4,839-83.5% |
| Participant deferral / active EE | $2,797 | $5,256-46.8% | $4,654-39.9% | $6,342-55.9% |
| Admin fee / account holder | $4,631 | $7,974-41.9% | $6,755-31.4% | $12,315-62.4% |