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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 | $56,262 | $115,814-51.4% | $101,275-44.4% | $158,982-64.6% |
| Participation rate | 38.1% | 79.4%-41.3pp | 75.8%-37.7pp | 82.0%-43.9pp |
| Annual return | 11.64% | 56.16%-44.5pp | 46.48%-34.8pp | 302.99%-291.4pp |
| Employer contribution / active EE | $1,031 | $4,176-75.3% | $3,660-71.8% | $4,763-78.4% |
| Participant deferral / active EE | $2,218 | $4,958-55.3% | $4,371-49.3% | $5,983-62.9% |
| Admin fee / account holder | $2,479 | $7,249-65.8% | $5,948-58.3% | $11,252-78.0% |