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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 | $183,516-76.7% | $155,534-72.5% | $145,884-70.7% |
| Participation rate | 38.1% | 82.7%-44.6pp | 78.2%-40.1pp | 80.3%-42.2pp |
| Annual return | 17.05% | 61.43%-44.4pp | 64.92%-47.9pp | 551.85%-534.8pp |
| Employer contribution / active EE | $1,369 | $5,315-74.2% | $4,675-70.7% | $4,662-70.6% |
| Participant deferral / active EE | $2,527 | $6,467-60.9% | $5,630-55.1% | $6,690-62.2% |
| Admin fee / account holder | $4,165 | $19,293-78.4% | $15,900-73.8% | $13,392-68.9% |