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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 | $52,359 | $185,883-71.8% | $170,043-69.2% | $139,466-62.5% |
| Participation rate | 61.5% | 87.8%-26.2pp | 87.0%-25.5pp | 80.3%-18.8pp |
| Annual return | 12.33% | 60.54%-48.2pp | 53.40%-41.1pp | 373.66%-361.3pp |
| Employer contribution / active EE | $1,772 | $7,596-76.7% | $6,790-73.9% | $4,754-62.7% |
| Participant deferral / active EE | $3,559 | $11,626-69.4% | $10,410-65.8% | $6,712-47.0% |
| Admin fee / account holder | $308 | $15,393-98.0% | $12,824-97.6% | $11,409-97.3% |