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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 | $34,966 | $96,419-63.7% | $80,648-56.6% | $139,487-74.9% |
| Participation rate | 63.6% | 73.6%-10.0pp | 67.0%-3.4pp | 80.3%-16.7pp |
| Annual return | 18.00% | 1352.86%-1334.9pp | 937.21%-919.2pp | 373.84%-355.8pp |
| Employer contribution / active EE | $1,066 | $3,261-67.3% | $2,724-60.9% | $4,755-77.6% |
| Participant deferral / active EE | $2,554 | $5,225-51.1% | $4,443-42.5% | $6,713-61.9% |
| Admin fee / account holder | $1,612 | $6,605-75.6% | $5,382-70.0% | $11,407-85.9% |