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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 | $41,744 | $183,978-77.3% | $162,171-74.3% | $152,885-72.7% |
| Participation rate | 53.3% | 88.5%-35.2pp | 87.6%-34.2pp | 82.5%-29.1pp |
| Annual return | 22.93% | 150.78%-127.9pp | 115.60%-92.7pp | 345.39%-322.5pp |
| Employer contribution / active EE | $4,852 | $6,370-23.8% | $5,613-13.6% | $4,763+1.9% |
| Participant deferral / active EE | $3,121 | $8,033-61.1% | $7,297-57.2% | $5,851-46.7% |
| Admin fee / account holder | $9,836 | $13,122-25.0% | $10,843-9.3% | $11,598-15.2% |