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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 | $36,887 | $102,595-64.0% | $94,057-60.8% | $154,746-76.2% |
| Participation rate | 62.5% | 76.0%-13.5pp | 73.3%-10.8pp | 80.7%-18.2pp |
| Annual return | 15.45% | 583.42%-568.0pp | 480.62%-465.2pp | 172.34%-156.9pp |
| Employer contribution / active EE | $1,238 | $3,147-60.7% | $2,933-57.8% | $4,379-71.7% |
| Participant deferral / active EE | $3,723 | $5,118-27.3% | $4,709-20.9% | $6,730-44.7% |
| Admin fee / account holder | $4,860 | $7,736-37.2% | $7,244-32.9% | $14,365-66.2% |