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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 | $32,362 | $150,412-78.5% | $120,574-73.2% | $145,884-77.8% |
| Participation rate | 62.5% | 78.8%-16.3pp | 71.9%-9.4pp | 80.3%-17.8pp |
| Annual return | 9.75% | 154.50%-144.8pp | 107.42%-97.7pp | 551.85%-542.1pp |
| Employer contribution / active EE | $1,387 | $4,355-68.2% | $3,471-60.0% | $4,662-70.3% |
| Participant deferral / active EE | $2,145 | $6,175-65.3% | $4,996-57.1% | $6,690-67.9% |
| Admin fee / account holder | $2,870 | $12,224-76.5% | $9,445-69.6% | $13,392-78.6% |