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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 | $102,595-65.7% | $94,057-62.6% | $154,746-77.3% |
| Participation rate | 50.0% | 76.0%-26.0pp | 73.3%-23.3pp | 80.7%-30.7pp |
| Annual return | 21.75% | 583.42%-561.7pp | 480.62%-458.9pp | 172.34%-150.6pp |
| Employer contribution / active EE | $1,529 | $3,147-51.4% | $2,933-47.9% | $4,379-65.1% |
| Participant deferral / active EE | $3,446 | $5,118-32.7% | $4,709-26.8% | $6,730-48.8% |
| Admin fee / account holder | $2,284 | $7,736-70.5% | $7,244-68.5% | $14,365-84.1% |