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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 | $38,172 | $148,623-74.3% | $135,974-71.9% | $139,466-72.6% |
| Participation rate | 45.5% | 83.9%-38.4pp | 81.9%-36.5pp | 80.3%-34.9pp |
| Annual return | 16.41% | 79.30%-62.9pp | 68.30%-51.9pp | 373.66%-357.3pp |
| Employer contribution / active EE | $1,597 | $5,246-69.6% | $4,859-67.1% | $4,754-66.4% |
| Participant deferral / active EE | $3,545 | $8,103-56.2% | $7,760-54.3% | $6,712-47.2% |
| Admin fee / account holder | $381 | $12,406-96.9% | $10,767-96.5% | $11,409-96.7% |