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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 | $22,208 | $100,139-77.8% | $85,187-73.9% | $145,884-84.8% |
| Participation rate | 60.0% | 74.1%-14.1pp | 67.5%-7.5pp | 80.3%-20.3pp |
| Annual return | 12.51% | 84.15%-71.6pp | 66.67%-54.2pp | 551.85%-539.3pp |
| Employer contribution / active EE | $1,279 | $3,238-60.5% | $2,732-53.2% | $4,662-72.6% |
| Participant deferral / active EE | $2,137 | $5,296-59.6% | $4,525-52.8% | $6,690-68.1% |
| Admin fee / account holder | $2,440 | $7,262-66.4% | $6,162-60.4% | $13,392-81.8% |