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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 | $35,384 | $160,040-77.9% | $147,096-75.9% | $145,877-75.7% |
| Participation rate | 69.2% | 84.0%-14.8pp | 82.2%-12.9pp | 80.3%-11.1pp |
| Annual return | 21.87% | 98.49%-76.6pp | 419.75%-397.9pp | 551.28%-529.4pp |
| Employer contribution / active EE | $1,844 | $5,289-65.1% | $4,936-62.6% | $4,663-60.5% |
| Participant deferral / active EE | $5,674 | $8,429-32.7% | $8,071-29.7% | $6,691-15.2% |
| Admin fee / account holder | $899 | $15,050-94.0% | $13,005-93.1% | $13,402-93.3% |