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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 | $44,827 | $180,749-75.2% | $160,784-72.1% | $137,256-67.3% |
| Participation rate | 56.3% | 80.0%-23.7pp | 77.0%-20.7pp | 80.0%-23.7pp |
| Annual return | 16.86% | 2234.46%-2217.6pp | 1803.92%-1787.1pp | 220.34%-203.5pp |
| Employer contribution / active EE | $1,194 | $4,155-71.3% | $3,733-68.0% | $4,156-71.3% |
| Participant deferral / active EE | $4,069 | $6,844-40.5% | $6,293-35.3% | $6,407-36.5% |
| Admin fee / account holder | $1,629 | $10,397-84.3% | $9,717-83.2% | $12,270-86.7% |