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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 | $30,787 | $217,432-85.8% | $185,849-83.4% | $167,536-81.6% |
| Participation rate | 58.8% | 86.1%-27.2pp | 81.7%-22.9pp | 82.1%-23.3pp |
| Annual return | 11.84% | 148.42%-136.6pp | 122.10%-110.3pp | 478.82%-467.0pp |
| Employer contribution / active EE | $1,612 | $5,875-72.6% | $5,169-68.8% | $4,839-66.7% |
| Participant deferral / active EE | $3,708 | $6,357-41.7% | $5,569-33.4% | $6,342-41.5% |
| Admin fee / account holder | $362 | $19,818-98.2% | $16,244-97.8% | $12,315-97.1% |