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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 | $33,452 | $183,539-81.8% | $155,556-78.5% | $145,897-77.1% |
| Participation rate | 59.1% | 82.7%-23.6pp | 78.2%-19.1pp | 80.3%-21.2pp |
| Annual return | 13.90% | 61.31%-47.4pp | 64.84%-50.9pp | 552.29%-538.4pp |
| Employer contribution / active EE | $1,651 | $5,315-68.9% | $4,675-64.7% | $4,663-64.6% |
| Participant deferral / active EE | $3,532 | $6,467-45.4% | $5,631-37.3% | $6,689-47.2% |
| Admin fee / account holder | $1,126 | $19,275-94.2% | $15,885-92.9% | $13,390-91.6% |