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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 | $36,464 | $125,237-70.9% | $105,608-65.5% | $145,877-75.0% |
| Participation rate | 60.0% | 77.7%-17.7pp | 75.3%-15.3pp | 80.3%-20.3pp |
| Annual return | 15.64% | 225.76%-210.1pp | 116.50%-100.9pp | 551.28%-535.6pp |
| Employer contribution / active EE | $1,422 | $3,720-61.8% | $3,167-55.1% | $4,663-69.5% |
| Participant deferral / active EE | $1,780 | $5,711-68.8% | $5,010-64.5% | $6,691-73.4% |
| Admin fee / account holder | $1,222 | $17,287-92.9% | $11,028-88.9% | $13,402-90.9% |