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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 | $38,697 | $93,346-58.5% | $71,796-46.1% | $273,972-85.9% |
| Participation rate | 62.5% | 76.5%-14.0pp | 69.1%-6.6pp | 83.0%-20.5pp |
| Annual return | 13.91% | 130.39%-116.5pp | 78.04%-64.1pp | 41.46%-27.5pp |
| Employer contribution / active EE | $714 | $2,733-73.9% | $1,924-62.9% | $4,869-85.3% |
| Participant deferral / active EE | $1,032 | $3,475-70.3% | $2,794-63.1% | $5,287-80.5% |
| Admin fee / account holder | $2,291 | $6,571-65.1% | $4,815-52.4% | $10,133-77.4% |