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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 | $36,188 | $217,427-83.4% | $185,837-80.5% | $167,518-78.4% |
| Participation rate | 59.1% | 86.0%-27.0pp | 81.7%-22.6pp | 82.1%-23.0pp |
| Annual return | 12.31% | 148.39%-136.1pp | 122.08%-109.8pp | 478.71%-466.4pp |
| Employer contribution / active EE | $1,680 | $5,874-71.4% | $5,168-67.5% | $4,838-65.3% |
| Participant deferral / active EE | $3,634 | $6,357-42.8% | $5,568-34.7% | $6,342-42.7% |
| Admin fee / account holder | $6,161 | $19,816-68.9% | $16,241-62.1% | $12,312-50.0% |