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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 | $18,762 | $90,397-79.2% | $76,002-75.3% | $145,959-87.1% |
| Participation rate | 33.3% | 74.5%-41.2pp | 69.1%-35.7pp | 80.3%-47.0pp |
| Annual return | 45.82% | 621.97%-576.2pp | 360.07%-314.2pp | 561.95%-516.1pp |
| Employer contribution / active EE | $1,316 | $3,317-60.3% | $2,688-51.0% | $4,661-71.8% |
| Participant deferral / active EE | $1,626 | $5,163-68.5% | $4,257-61.8% | $6,689-75.7% |
| Admin fee / account holder | $4,231 | $8,369-49.5% | $6,414-34.0% | $13,398-68.4% |