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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 | $71,381 | $144,130-50.5% | $117,861-39.4% | $147,586-51.6% |
| Participation rate | 66.7% | 83.4%-16.8pp | 79.7%-13.0pp | 82.8%-16.2pp |
| Annual return | 20.21% | 531.20%-511.0pp | 335.11%-314.9pp | 578.59%-558.4pp |
| Employer contribution / active EE | $1,069 | $4,897-78.2% | $3,786-71.8% | $4,876-78.1% |
| Participant deferral / active EE | $2,259 | $5,316-57.5% | $4,482-49.6% | $5,439-58.5% |
| Admin fee / account holder | $1,120 | $10,887-89.7% | $8,021-86.0% | $10,886-89.7% |