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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 | $31,817 | $100,203-68.2% | $85,240-62.7% | $145,897-78.2% |
| Participation rate | 25.0% | 74.1%-49.1pp | 67.5%-42.5pp | 80.3%-55.3pp |
| Annual return | 12.93% | 84.28%-71.3pp | 66.75%-53.8pp | 552.29%-539.4pp |
| Employer contribution / active EE | $1,444 | $3,242-55.4% | $2,735-47.2% | $4,663-69.0% |
| Participant deferral / active EE | $3,830 | $5,299-27.7% | $4,527-15.4% | $6,689-42.7% |
| Admin fee / account holder | $2,109 | $7,265-71.0% | $6,165-65.8% | $13,390-84.2% |