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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 | $28,747 | $183,516-84.3% | $155,534-81.5% | $145,884-80.3% |
| Participation rate | 30.0% | 82.7%-52.7pp | 78.2%-48.2pp | 80.3%-50.3pp |
| Annual return | 16.78% | 61.43%-44.6pp | 64.92%-48.1pp | 551.85%-535.1pp |
| Employer contribution / active EE | $1,492 | $5,315-71.9% | $4,675-68.1% | $4,662-68.0% |
| Participant deferral / active EE | $3,332 | $6,467-48.5% | $5,630-40.8% | $6,690-50.2% |
| Admin fee / account holder | $755 | $19,293-96.1% | $15,900-95.3% | $13,392-94.4% |