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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 | $38,577 | $97,125-60.3% | $86,233-55.3% | $137,256-71.9% |
| Participation rate | 56.5% | 74.2%-17.7pp | 69.0%-12.5pp | 80.0%-23.4pp |
| Annual return | 13.79% | 74.19%-60.4pp | 61.39%-47.6pp | 220.34%-206.6pp |
| Employer contribution / active EE | $1,185 | $2,841-58.3% | $2,504-52.7% | $4,156-71.5% |
| Participant deferral / active EE | $1,841 | $5,180-64.4% | $4,559-59.6% | $6,407-71.3% |
| Admin fee / account holder | $5,264 | $9,725-45.9% | $8,342-36.9% | $12,270-57.1% |