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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 | $20,486 | $100,139-79.5% | $85,187-76.0% | $145,884-86.0% |
| Participation rate | 31.6% | 74.1%-42.5pp | 67.5%-35.9pp | 80.3%-48.7pp |
| Annual return | 21.51% | 84.15%-62.6pp | 66.67%-45.2pp | 551.85%-530.3pp |
| Employer contribution / active EE | $1,907 | $3,238-41.1% | $2,732-30.2% | $4,662-59.1% |
| Participant deferral / active EE | $2,447 | $5,296-53.8% | $4,525-45.9% | $6,690-63.4% |
| Admin fee / account holder | $1,309 | $7,262-82.0% | $6,162-78.8% | $13,392-90.2% |