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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 | $33,620 | $160,040-79.0% | $147,096-77.1% | $145,877-77.0% |
| Participation rate | 55.0% | 84.0%-29.0pp | 82.2%-27.2pp | 80.3%-25.3pp |
| Annual return | 12.78% | 98.49%-85.7pp | 419.75%-407.0pp | 551.28%-538.5pp |
| Employer contribution / active EE | $1,273 | $5,289-75.9% | $4,936-74.2% | $4,663-72.7% |
| Participant deferral / active EE | $3,777 | $8,429-55.2% | $8,071-53.2% | $6,691-43.5% |
| Admin fee / account holder | $1,101 | $15,050-92.7% | $13,005-91.5% | $13,402-91.8% |