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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 | $37,655 | $148,623-74.7% | $135,974-72.3% | $139,466-73.0% |
| Participation rate | 62.5% | 83.9%-21.4pp | 81.9%-19.4pp | 80.3%-17.8pp |
| Annual return | 12.77% | 79.30%-66.5pp | 68.30%-55.5pp | 373.66%-360.9pp |
| Employer contribution / active EE | $2,266 | $5,246-56.8% | $4,859-53.4% | $4,754-52.3% |
| Participant deferral / active EE | $5,821 | $8,103-28.2% | $7,760-25.0% | $6,712-13.3% |
| Admin fee / account holder | $574 | $12,406-95.4% | $10,767-94.7% | $11,409-95.0% |