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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 | $63,531 | $217,432-70.8% | $185,851-65.8% | $167,553-62.1% |
| Participation rate | 64.3% | 86.1%-21.8pp | 81.7%-17.4pp | 82.1%-17.8pp |
| Annual return | 10.01% | 148.43%-138.4pp | 122.11%-112.1pp | 478.89%-468.9pp |
| Employer contribution / active EE | $2,010 | $5,874-65.8% | $5,168-61.1% | $4,840-58.5% |
| Participant deferral / active EE | $3,425 | $6,357-46.1% | $5,569-38.5% | $6,343-46.0% |
| Admin fee / account holder | $3,280 | $19,820-83.5% | $16,245-79.8% | $12,316-73.4% |