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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 | $43,951 | $198,457-77.9% | $170,435-74.2% | $147,586-70.2% |
| Participation rate | 45.5% | 88.0%-42.5pp | 83.6%-38.1pp | 82.8%-37.4pp |
| Annual return | 15.88% | 257.30%-241.4pp | 205.94%-190.1pp | 578.59%-562.7pp |
| Employer contribution / active EE | $2,312 | $6,183-62.6% | $5,432-57.4% | $4,876-52.6% |
| Participant deferral / active EE | $3,062 | $5,629-45.6% | $4,939-38.0% | $5,439-43.7% |
| Admin fee / account holder | $2,297 | $16,852-86.4% | $13,881-83.5% | $10,886-78.9% |