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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 | $55,411 | $217,432-74.5% | $185,849-70.2% | $167,536-66.9% |
| Participation rate | 50.0% | 86.1%-36.1pp | 81.7%-31.7pp | 82.1%-32.1pp |
| Annual return | 15.39% | 148.42%-133.0pp | 122.10%-106.7pp | 478.82%-463.4pp |
| Employer contribution / active EE | $1,424 | $5,875-75.8% | $5,169-72.5% | $4,839-70.6% |
| Participant deferral / active EE | $6,246 | $6,357-1.8% | $5,569+12.2% | $6,342-1.5% |
| Admin fee / account holder | $3,935 | $19,818-80.1% | $16,244-75.8% | $12,315-68.0% |