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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 | $31,629 | $118,708-73.4% | $98,920-68.0% | $158,982-80.1% |
| Participation rate | 33.3% | 77.8%-44.5pp | 76.0%-42.7pp | 82.0%-48.6pp |
| Annual return | 15.49% | 372.49%-357.0pp | 196.47%-181.0pp | 302.99%-287.5pp |
| Employer contribution / active EE | $2,085 | $3,334-37.5% | $2,689-22.5% | $4,763-56.2% |
| Participant deferral / active EE | $3,045 | $5,089-40.2% | $4,245-28.3% | $5,983-49.1% |
| Admin fee / account holder | $901 | $10,134-91.1% | $6,643-86.4% | $11,252-92.0% |