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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 | $35,141 | $72,071-51.2% | $68,368-48.6% | $137,256-74.4% |
| Participation rate | 50.0% | 76.2%-26.2pp | 73.8%-23.8pp | 80.0%-30.0pp |
| Annual return | 21.75% | 353.14%-331.4pp | 292.57%-270.8pp | 220.34%-198.6pp |
| Employer contribution / active EE | $1,529 | $2,788-45.1% | $2,649-42.3% | $4,156-63.2% |
| Participant deferral / active EE | $3,446 | $4,410-21.9% | $4,123-16.4% | $6,407-46.2% |
| Admin fee / account holder | $2,284 | $5,336-57.2% | $5,150-55.6% | $12,270-81.4% |