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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 | $53,149 | $118,708-55.2% | $98,920-46.3% | $158,982-66.6% |
| Participation rate | 45.5% | 77.8%-32.4pp | 76.0%-30.6pp | 82.0%-36.5pp |
| Annual return | 12.65% | 372.49%-359.8pp | 196.47%-183.8pp | 302.99%-290.3pp |
| Employer contribution / active EE | $1,115 | $3,334-66.6% | $2,689-58.6% | $4,763-76.6% |
| Participant deferral / active EE | $1,409 | $5,089-72.3% | $4,245-66.8% | $5,983-76.5% |
| Admin fee / account holder | $2,441 | $10,134-75.9% | $6,643-63.3% | $11,252-78.3% |