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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 | $33,510 | $169,336-80.2% | $129,384-74.1% | $145,884-77.0% |
| Participation rate | 61.9% | 76.5%-14.6pp | 69.6%-7.7pp | 80.3%-18.4pp |
| Annual return | 12.98% | 14408.70%-14395.7pp | 9461.77%-9448.8pp | 551.85%-538.9pp |
| Employer contribution / active EE | $2,174 | $5,540-60.8% | $4,153-47.7% | $4,662-53.4% |
| Participant deferral / active EE | $4,924 | $4,985-1.2% | $4,166+18.2% | $6,690-26.4% |
| Admin fee / account holder | $1,197 | $9,912-87.9% | $7,686-84.4% | $13,392-91.1% |