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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 | $26,528 | $175,231-84.9% | $149,696-82.3% | $139,466-81.0% |
| Participation rate | 58.8% | 83.4%-24.6pp | 78.8%-20.0pp | 80.3%-21.5pp |
| Annual return | 37.37% | 166.77%-129.4pp | 134.46%-97.1pp | 373.66%-336.3pp |
| Employer contribution / active EE | $1,748 | $5,478-68.1% | $4,821-63.7% | $4,754-63.2% |
| Participant deferral / active EE | $3,418 | $6,521-47.6% | $5,682-39.9% | $6,712-49.1% |
| Admin fee / account holder | $629 | $16,155-96.1% | $13,212-95.2% | $11,409-94.5% |