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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 | $35,888 | $175,231-79.5% | $149,696-76.0% | $139,466-74.3% |
| Participation rate | 40.0% | 83.4%-43.4pp | 78.8%-38.8pp | 80.3%-40.3pp |
| Annual return | 23.27% | 166.77%-143.5pp | 134.46%-111.2pp | 373.66%-350.4pp |
| Employer contribution / active EE | $3,769 | $5,478-31.2% | $4,821-21.8% | $4,754-20.7% |
| Participant deferral / active EE | $5,827 | $6,521-10.6% | $5,682+2.6% | $6,712-13.2% |
| Admin fee / account holder | $948 | $16,155-94.1% | $13,212-92.8% | $11,409-91.7% |