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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 | $45,861 | $129,737-64.7% | $119,126-61.5% | $154,746-70.4% |
| Participation rate | 66.7% | 78.9%-12.2pp | 75.8%-9.1pp | 80.7%-14.0pp |
| Annual return | 12.12% | 379.08%-367.0pp | 282.11%-270.0pp | 172.34%-160.2pp |
| Employer contribution / active EE | $1,304 | $4,375-70.2% | $4,034-67.7% | $4,379-70.2% |
| Participant deferral / active EE | $3,500 | $5,842-40.1% | $5,318-34.2% | $6,730-48.0% |
| Admin fee / account holder | $34,796 | $11,961+190.9% | $10,693+225.4% | $14,365+142.2% |