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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 | $37,576 | $115,810-67.6% | $101,271-62.9% | $158,966-76.4% |
| Participation rate | 69.2% | 79.4%-10.1pp | 75.8%-6.6pp | 82.0%-12.7pp |
| Annual return | 16.13% | 56.15%-40.0pp | 46.48%-30.4pp | 302.95%-286.8pp |
| Employer contribution / active EE | $1,289 | $4,175-69.1% | $3,660-64.8% | $4,762-72.9% |
| Participant deferral / active EE | $4,135 | $4,958-16.6% | $4,371-5.4% | $5,983-30.9% |
| Admin fee / account holder | $874 | $7,248-87.9% | $5,948-85.3% | $11,250-92.2% |