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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 | $46,738 | $81,696-42.8% | $70,494-33.7% | $158,982-70.6% |
| Participation rate | 41.7% | 77.7%-36.1pp | 75.1%-33.4pp | 82.0%-40.3pp |
| Annual return | 6.50% | 208.70%-202.2pp | 109.16%-102.7pp | 302.99%-296.5pp |
| Employer contribution / active EE | $1,656 | $3,220-48.6% | $2,738-39.5% | $4,763-65.2% |
| Participant deferral / active EE | $1,663 | $4,558-63.5% | $3,711-55.2% | $5,983-72.2% |
| Admin fee / account holder | $1,362 | $6,200-78.0% | $3,848-64.6% | $11,252-87.9% |