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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 | $111,785-69.7% | $93,669-63.8% | $145,877-76.8% |
| Participation rate | 68.8% | 74.2%-5.5pp | 68.7%0pp | 80.3%-11.6pp |
| Annual return | 13.96% | 203.79%-189.8pp | 133.59%-119.6pp | 551.28%-537.3pp |
| Employer contribution / active EE | $1,599 | $3,096-48.4% | $2,424-34.0% | $4,663-65.7% |
| Participant deferral / active EE | $5,472 | $4,919+11.2% | $4,416+23.9% | $6,691-18.2% |
| Admin fee / account holder | $473 | $10,256-95.4% | $8,291-94.3% | $13,402-96.5% |