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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 | $35,037 | $96,388-63.6% | $80,627-56.5% | $139,466-74.9% |
| Participation rate | 55.6% | 73.6%-18.1pp | 67.0%-11.5pp | 80.3%-24.8pp |
| Annual return | 15.34% | 1352.08%-1336.7pp | 936.76%-921.4pp | 373.66%-358.3pp |
| Employer contribution / active EE | $1,636 | $3,260-49.8% | $2,723-39.9% | $4,754-65.6% |
| Participant deferral / active EE | $2,633 | $5,224-49.6% | $4,443-40.7% | $6,712-60.8% |
| Admin fee / account holder | $9,006 | $6,603+36.4% | $5,381+67.4% | $11,409-21.1% |