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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 | $43,420 | $176,077-75.3% | $159,455-72.8% | $167,518-74.1% |
| Participation rate | 65.2% | 84.9%-19.7pp | 82.8%-17.6pp | 82.1%-16.9pp |
| Annual return | 15.03% | 331.83%-316.8pp | 263.63%-248.6pp | 478.71%-463.7pp |
| Employer contribution / active EE | $1,925 | $5,298-63.7% | $4,830-60.1% | $4,838-60.2% |
| Participant deferral / active EE | $3,448 | $7,751-55.5% | $7,353-53.1% | $6,342-45.6% |
| Admin fee / account holder | $1,038 | $12,556-91.7% | $10,800-90.4% | $12,312-91.6% |