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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 | $45,694 | $67,823-32.6% | $52,425-12.8% | $137,256-66.7% |
| Participation rate | 53.8% | 63.9%-10.1pp | 55.6%-1.8pp | 80.0%-26.1pp |
| Annual return | 18.95% | 219.11%-200.2pp | 302.12%-283.2pp | 220.34%-201.4pp |
| Employer contribution / active EE | $783 | $1,163-32.7% | $914-14.3% | $4,156-81.2% |
| Participant deferral / active EE | $4,338 | $2,288+89.6% | $1,790+142.3% | $6,407-32.3% |
| Admin fee / account holder | $531 | $2,844-81.3% | $2,495-78.7% | $12,270-95.7% |