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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 | $35,729 | $198,461-82.0% | $170,436-79.0% | $147,585-75.8% |
| Participation rate | 63.2% | 88.0%-24.8pp | 83.6%-20.4pp | 82.8%-19.7pp |
| Annual return | 18.36% | 257.30%-238.9pp | 205.94%-187.6pp | 578.57%-560.2pp |
| Employer contribution / active EE | $5,156 | $6,184-16.6% | $5,433-5.1% | $4,876+5.7% |
| Participant deferral / active EE | $4,568 | $5,629-18.8% | $4,939-7.5% | $5,439-16.0% |
| Admin fee / account holder | $1,518 | $16,852-91.0% | $13,880-89.1% | $10,885-86.1% |