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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 | $45,087 | $97,125-53.6% | $86,233-47.7% | $137,256-67.2% |
| Participation rate | 30.8% | 74.2%-43.4pp | 69.0%-38.2pp | 80.0%-49.2pp |
| Annual return | 15.12% | 74.19%-59.1pp | 61.39%-46.3pp | 220.34%-205.2pp |
| Employer contribution / active EE | $1,037 | $2,841-63.5% | $2,504-58.6% | $4,156-75.0% |
| Participant deferral / active EE | $1,817 | $5,180-64.9% | $4,559-60.1% | $6,407-71.6% |
| Admin fee / account holder | $3,675 | $9,725-62.2% | $8,342-55.9% | $12,270-70.0% |