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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 | $12,841 | $101,618-87.4% | $93,063-86.2% | $137,256-90.6% |
| Participation rate | 50.0% | 74.9%-24.9pp | 72.1%-22.1pp | 80.0%-30.0pp |
| Annual return | 24.65% | 223.95%-199.3pp | 34.15%-9.5pp | 220.34%-195.7pp |
| Employer contribution / active EE | $3,191 | $2,707+17.9% | $2,476+28.9% | $4,156-23.2% |
| Participant deferral / active EE | $4,205 | $4,279-1.7% | $3,958+6.2% | $6,407-34.4% |
| Admin fee / account holder | $2,123 | $6,198-65.7% | $6,033-64.8% | $12,270-82.7% |