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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 | $57,433 | $175,231-67.2% | $149,696-61.6% | $139,466-58.8% |
| Participation rate | 56.3% | 83.4%-27.1pp | 78.8%-22.5pp | 80.3%-24.1pp |
| Annual return | 19.61% | 166.77%-147.2pp | 134.46%-114.8pp | 373.66%-354.1pp |
| Employer contribution / active EE | $1,729 | $5,478-68.4% | $4,821-64.1% | $4,754-63.6% |
| Participant deferral / active EE | $3,176 | $6,521-51.3% | $5,682-44.1% | $6,712-52.7% |
| Admin fee / account holder | $335 | $16,155-97.9% | $13,212-97.5% | $11,409-97.1% |