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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 | $37,742 | $72,446-47.9% | $67,561-44.1% | $145,877-74.1% |
| Participation rate | 55.6% | 76.9%-21.3pp | 72.9%-17.3pp | 80.3%-24.7pp |
| Annual return | 17.96% | 7211.98%-7194.0pp | 3525.44%-3507.5pp | 551.28%-533.3pp |
| Employer contribution / active EE | $1,149 | $3,072-62.6% | $2,735-58.0% | $4,663-75.4% |
| Participant deferral / active EE | $5,403 | $4,785+12.9% | $4,003+35.0% | $6,691-19.2% |
| Admin fee / account holder | $314 | $5,541-94.3% | $4,006-92.2% | $13,402-97.7% |