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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 | $34,906 | $198,457-82.4% | $170,435-79.5% | $147,586-76.3% |
| Participation rate | 60.0% | 88.0%-28.0pp | 83.6%-23.6pp | 82.8%-22.8pp |
| Annual return | 19.96% | 257.30%-237.3pp | 205.94%-186.0pp | 578.59%-558.6pp |
| Employer contribution / active EE | $1,704 | $6,183-72.4% | $5,432-68.6% | $4,876-65.1% |
| Participant deferral / active EE | $5,245 | $5,629-6.8% | $4,939+6.2% | $5,439-3.6% |
| Admin fee / account holder | $3,037 | $16,852-82.0% | $13,881-78.1% | $10,886-72.1% |