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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 | $26,631 | $81,696-67.4% | $70,494-62.2% | $158,982-83.2% |
| Participation rate | 52.6% | 77.7%-25.1pp | 75.1%-22.4pp | 82.0%-29.3pp |
| Annual return | 18.48% | 208.70%-190.2pp | 109.16%-90.7pp | 302.99%-284.5pp |
| Employer contribution / active EE | $1,509 | $3,220-53.1% | $2,738-44.9% | $4,763-68.3% |
| Participant deferral / active EE | $3,152 | $4,558-30.8% | $3,711-15.1% | $5,983-47.3% |
| Admin fee / account holder | $985 | $6,200-84.1% | $3,848-74.4% | $11,252-91.2% |