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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 | $41,384 | $160,040-74.1% | $147,096-71.9% | $145,877-71.6% |
| Participation rate | 50.0% | 84.0%-34.0pp | 82.2%-32.2pp | 80.3%-30.3pp |
| Annual return | 13.61% | 98.49%-84.9pp | 419.75%-406.1pp | 551.28%-537.7pp |
| Employer contribution / active EE | $1,561 | $5,289-70.5% | $4,936-68.4% | $4,663-66.5% |
| Participant deferral / active EE | $6,307 | $8,429-25.2% | $8,071-21.9% | $6,691-5.7% |
| Admin fee / account holder | $303 | $15,050-98.0% | $13,005-97.7% | $13,402-97.7% |