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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 | $38,825 | $209,425-81.5% | $178,499-78.2% | $158,966-75.6% |
| Participation rate | 58.3% | 86.4%-28.0pp | 81.9%-23.6pp | 82.0%-23.6pp |
| Annual return | 23.49% | 188.80%-165.3pp | 151.10%-127.6pp | 302.95%-279.5pp |
| Employer contribution / active EE | $1,903 | $5,707-66.7% | $5,011-62.0% | $4,762-60.0% |
| Participant deferral / active EE | $5,783 | $5,955-2.9% | $5,202+11.2% | $5,983-3.3% |
| Admin fee / account holder | $577 | $17,078-96.6% | $13,986-95.9% | $11,250-94.9% |