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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 | $51,809 | $217,432-76.2% | $185,851-72.1% | $167,553-69.1% |
| Participation rate | 45.5% | 86.1%-40.6pp | 81.7%-36.3pp | 82.1%-36.7pp |
| Annual return | 11.12% | 148.43%-137.3pp | 122.11%-111.0pp | 478.89%-467.8pp |
| Employer contribution / active EE | $1,644 | $5,874-72.0% | $5,168-68.2% | $4,840-66.0% |
| Participant deferral / active EE | $5,076 | $6,357-20.2% | $5,569-8.8% | $6,343-20.0% |
| Admin fee / account holder | $752 | $19,820-96.2% | $16,245-95.4% | $12,316-93.9% |