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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 | $49,699 | $85,766-42.1% | $136,295-63.5% | $70,131-29.1% |
| Participation rate | 63.9% | 74.2%-10.3pp | 81.9%-18.0pp | 69.5%-5.7pp |
| Annual return | 21.69% | 31.45%-9.8pp | 5155.97%-5134.3pp | 73.14%-51.5pp |
| Employer contribution / active EE | $1,671 | $2,966-43.6% | $4,695-64.4% | $2,342-28.6% |
| Participant deferral / active EE | $3,003 | $5,051-40.6% | $6,247-51.9% | $3,332-9.9% |
| Admin fee / account holder | $1,559 | $5,420-71.2% | $9,243-83.1% | $4,645-66.4% |