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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 | $82,266 | $112,933-27.2% | $90,970-9.6% | $158,982-48.3% |
| Participation rate | 44.4% | 74.7%-30.3pp | 69.0%-24.6pp | 82.0%-37.5pp |
| Annual return | 12.55% | 215.82%-203.3pp | 134.60%-122.0pp | 302.99%-290.4pp |
| Employer contribution / active EE | $1,021 | $2,893-64.7% | $2,122-51.9% | $4,763-78.6% |
| Participant deferral / active EE | $1,086 | $4,128-73.7% | $3,373-67.8% | $5,983-81.8% |
| Admin fee / account holder | $2,859 | $8,047-64.5% | $5,961-52.0% | $11,252-74.6% |