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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 | $24,103 | $99,053-75.7% | $88,179-72.7% | $138,895-82.6% |
| Participation rate | 47.1% | 74.2%-27.2pp | 69.1%-22.1pp | 79.9%-32.9pp |
| Annual return | 15.38% | 78.17%-62.8pp | 64.97%-49.6pp | 145.39%-130.0pp |
| Employer contribution / active EE | $1,357 | $2,882-52.9% | $2,549-46.8% | $4,194-67.6% |
| Participant deferral / active EE | $1,744 | $5,225-66.6% | $4,614-62.2% | $6,396-72.7% |
| Admin fee / account holder | $3,766 | $8,748-57.0% | $7,673-50.9% | $12,562-70.0% |