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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 | $26,097 | $105,145-75.2% | $94,664-72.4% | $139,466-81.3% |
| Participation rate | 56.3% | 82.4%-26.1pp | 80.8%-24.6pp | 80.3%-24.1pp |
| Annual return | 18.87% | 38.09%-19.2pp | 156.84%-138.0pp | 373.66%-354.8pp |
| Employer contribution / active EE | $2,675 | $4,107-34.9% | $3,673-27.2% | $4,754-43.7% |
| Participant deferral / active EE | $3,066 | $7,599-59.7% | $7,417-58.7% | $6,712-54.3% |
| Admin fee / account holder | $714 | $8,972-92.0% | $7,222-90.1% | $11,409-93.7% |