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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 | $45,445 | $84,713-46.4% | $75,717-40.0% | $167,518-72.9% |
| Participation rate | 68.8% | 77.8%-9.1pp | 74.8%-6.1pp | 82.1%-13.4pp |
| Annual return | 16.56% | 199.49%-182.9pp | 104.58%-88.0pp | 478.71%-462.2pp |
| Employer contribution / active EE | $803 | $3,229-75.1% | $2,743-70.7% | $4,838-83.4% |
| Participant deferral / active EE | $4,640 | $4,578+1.4% | $3,821+21.5% | $6,342-26.8% |
| Admin fee / account holder | $477 | $5,357-91.1% | $3,619-86.8% | $12,312-96.1% |