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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 | $46,414 | $175,259-73.5% | $149,723-69.0% | $139,487-66.7% |
| Participation rate | 52.4% | 83.4%-31.0pp | 78.8%-26.4pp | 80.3%-28.0pp |
| Annual return | 18.60% | 166.82%-148.2pp | 134.50%-115.9pp | 373.84%-355.2pp |
| Employer contribution / active EE | $1,584 | $5,478-71.1% | $4,821-67.1% | $4,755-66.7% |
| Participant deferral / active EE | $5,034 | $6,522-22.8% | $5,682-11.4% | $6,713-25.0% |
| Admin fee / account holder | $715 | $16,158-95.6% | $13,215-94.6% | $11,407-93.7% |