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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 | $30,708 | $217,432-85.9% | $185,851-83.5% | $167,553-81.7% |
| Participation rate | 60.0% | 86.1%-26.1pp | 81.7%-21.7pp | 82.1%-22.1pp |
| Annual return | 16.50% | 148.43%-131.9pp | 122.11%-105.6pp | 478.89%-462.4pp |
| Employer contribution / active EE | $1,474 | $5,874-74.9% | $5,168-71.5% | $4,840-69.6% |
| Participant deferral / active EE | $4,199 | $6,357-33.9% | $5,569-24.6% | $6,343-33.8% |
| Admin fee / account holder | $400 | $19,820-98.0% | $16,245-97.5% | $12,316-96.8% |