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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 | $33,729 | $202,460-83.3% | $169,385-80.1% | $139,456-75.8% |
| Participation rate | 69.2% | 81.1%-11.9pp | 77.2%-7.9pp | 80.3%-11.1pp |
| Annual return | 19.01% | 532.07%-513.1pp | 405.82%-386.8pp | 373.45%-354.4pp |
| Employer contribution / active EE | $3,104 | $4,691-33.8% | $4,012-22.6% | $4,753-34.7% |
| Participant deferral / active EE | $7,206 | $6,938+3.9% | $6,221+15.8% | $6,711+7.4% |
| Admin fee / account holder | $1,955 | $10,719-81.8% | $9,011-78.3% | $11,407-82.9% |