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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 | $76,043 | $198,457-61.7% | $170,435-55.4% | $147,586-48.5% |
| Participation rate | 46.2% | 88.0%-41.8pp | 83.6%-37.4pp | 82.8%-36.7pp |
| Annual return | 13.81% | 257.30%-243.5pp | 205.94%-192.1pp | 578.59%-564.8pp |
| Employer contribution / active EE | $1,531 | $6,183-75.2% | $5,432-71.8% | $4,876-68.6% |
| Participant deferral / active EE | $2,583 | $5,629-54.1% | $4,939-47.7% | $5,439-52.5% |
| Admin fee / account holder | $5,478 | $16,852-67.5% | $13,881-60.5% | $10,886-49.7% |