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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 | $43,332 | $175,259-75.3% | $149,723-71.1% | $139,487-68.9% |
| Participation rate | 58.3% | 83.4%-25.1pp | 78.8%-20.4pp | 80.3%-22.0pp |
| Annual return | 20.44% | 166.82%-146.4pp | 134.50%-114.1pp | 373.84%-353.4pp |
| Employer contribution / active EE | $1,333 | $5,478-75.7% | $4,821-72.4% | $4,755-72.0% |
| Participant deferral / active EE | $4,611 | $6,522-29.3% | $5,682-18.9% | $6,713-31.3% |
| Admin fee / account holder | $4,465 | $16,158-72.4% | $13,215-66.2% | $11,407-60.9% |