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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 | $20,137 | $96,508-79.1% | $75,901-73.5% | $152,897-86.8% |
| Participation rate | 42.1% | 76.2%-34.1pp | 69.3%-27.2pp | 82.5%-40.3pp |
| Annual return | 47.91% | 33.99%+13.9pp | 30.76%+17.2pp | 345.43%-297.5pp |
| Employer contribution / active EE | $2,908 | $3,310-12.2% | $2,501+16.3% | $4,764-39.0% |
| Participant deferral / active EE | $3,456 | $4,554-24.1% | $3,603-4.1% | $5,851-40.9% |
| Admin fee / account holder | $480 | $8,081-94.1% | $5,420-91.1% | $11,599-95.9% |