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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 | $55,648 | $107,368-48.2% | $92,915-40.1% | $152,909-63.6% |
| Participation rate | 63.6% | 79.8%-16.2pp | 76.0%-12.4pp | 82.5%-18.8pp |
| Annual return | 18.99% | 145.64%-126.7pp | 109.45%-90.5pp | 345.46%-326.5pp |
| Employer contribution / active EE | $1,632 | $4,222-61.3% | $3,653-55.3% | $4,764-65.7% |
| Participant deferral / active EE | $2,209 | $4,848-54.4% | $4,238-47.9% | $5,851-62.2% |
| Admin fee / account holder | $642 | $7,082-90.9% | $5,796-88.9% | $11,601-94.5% |