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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 | $49,365 | $217,432-77.3% | $185,851-73.4% | $167,553-70.5% |
| Participation rate | 41.7% | 86.1%-44.4pp | 81.7%-40.0pp | 82.1%-40.4pp |
| Annual return | 18.49% | 148.43%-129.9pp | 122.11%-103.6pp | 478.89%-460.4pp |
| Employer contribution / active EE | $1,661 | $5,874-71.7% | $5,168-67.9% | $4,840-65.7% |
| Participant deferral / active EE | $3,370 | $6,357-47.0% | $5,569-39.5% | $6,343-46.9% |
| Admin fee / account holder | $841 | $19,820-95.8% | $16,245-94.8% | $12,316-93.2% |