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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 | $63,300 | $107,363-41.0% | $92,909-31.9% | $152,897-58.6% |
| Participation rate | 47.8% | 79.8%-32.0pp | 76.0%-28.2pp | 82.5%-34.6pp |
| Annual return | 23.50% | 145.63%-122.1pp | 109.44%-85.9pp | 345.43%-321.9pp |
| Employer contribution / active EE | $1,701 | $4,222-59.7% | $3,653-53.4% | $4,764-64.3% |
| Participant deferral / active EE | $3,319 | $4,848-31.5% | $4,238-21.7% | $5,851-43.3% |
| Admin fee / account holder | $2,867 | $7,082-59.5% | $5,795-50.5% | $11,599-75.3% |