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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 | $55,416 | $217,432-74.5% | $185,849-70.2% | $167,536-66.9% |
| Participation rate | 42.9% | 86.1%-43.2pp | 81.7%-38.9pp | 82.1%-39.3pp |
| Annual return | 40.09% | 148.42%-108.3pp | 122.10%-82.0pp | 478.82%-438.7pp |
| Employer contribution / active EE | $3,742 | $5,875-36.3% | $5,169-27.6% | $4,839-22.7% |
| Participant deferral / active EE | $10,030 | $6,357+57.8% | $5,569+80.1% | $6,342+58.2% |
| Admin fee / account holder | $522 | $19,818-97.4% | $16,244-96.8% | $12,315-95.8% |