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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 | $62,870 | $65,555-4.1% | $86,216-27.1% | $75,173-16.4% |
| Participation rate | 53.2% | 60.5%-7.3pp | 69.0%-15.8pp | 67.2%-14.0pp |
| Annual return | 15.88% | 46.07%-30.2pp | 1169.42%-1153.5pp | 160.72%-144.8pp |
| Employer contribution / active EE | $928 | $1,553-40.3% | $2,382-61.0% | $2,671-65.3% |
| Participant deferral / active EE | $1,795 | $3,023-40.6% | $3,986-55.0% | $4,126-56.5% |
| Admin fee / account holder | $3,045 | $5,469-44.3% | $6,853-55.6% | $5,651-46.1% |