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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 | $42,705 | $183,539-76.7% | $155,556-72.5% | $145,897-70.7% |
| Participation rate | 38.1% | 82.7%-44.6pp | 78.2%-40.1pp | 80.3%-42.2pp |
| Annual return | 17.05% | 61.31%-44.3pp | 64.84%-47.8pp | 552.29%-535.2pp |
| Employer contribution / active EE | $1,369 | $5,315-74.2% | $4,675-70.7% | $4,663-70.6% |
| Participant deferral / active EE | $2,527 | $6,467-60.9% | $5,631-55.1% | $6,689-62.2% |
| Admin fee / account holder | $4,165 | $19,275-78.4% | $15,885-73.8% | $13,390-68.9% |