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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 | $42,800 | $160,040-73.3% | $147,096-70.9% | $145,877-70.7% |
| Participation rate | 62.5% | 84.0%-21.5pp | 82.2%-19.7pp | 80.3%-17.8pp |
| Annual return | 13.27% | 98.49%-85.2pp | 419.75%-406.5pp | 551.28%-538.0pp |
| Employer contribution / active EE | $1,782 | $5,289-66.3% | $4,936-63.9% | $4,663-61.8% |
| Participant deferral / active EE | $3,701 | $8,429-56.1% | $8,071-54.1% | $6,691-44.7% |
| Admin fee / account holder | $1,265 | $15,050-91.6% | $13,005-90.3% | $13,402-90.6% |