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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 | $33,876 | $111,814-69.7% | $93,654-63.8% | $145,959-76.8% |
| Participation rate | 68.8% | 74.2%-5.5pp | 68.7%0pp | 80.3%-11.5pp |
| Annual return | 13.96% | 203.30%-189.3pp | 133.34%-119.4pp | 561.95%-548.0pp |
| Employer contribution / active EE | $1,599 | $3,092-48.3% | $2,421-34.0% | $4,661-65.7% |
| Participant deferral / active EE | $5,472 | $4,914+11.3% | $4,413+24.0% | $6,689-18.2% |
| Admin fee / account holder | $473 | $10,246-95.4% | $8,282-94.3% | $13,398-96.5% |