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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 | $25,392 | $175,231-85.5% | $149,696-83.0% | $139,466-81.8% |
| Participation rate | 62.5% | 83.4%-20.9pp | 78.8%-16.3pp | 80.3%-17.8pp |
| Annual return | 32.84% | 166.77%-133.9pp | 134.46%-101.6pp | 373.66%-340.8pp |
| Employer contribution / active EE | $1,230 | $5,478-77.6% | $4,821-74.5% | $4,754-74.1% |
| Participant deferral / active EE | $4,161 | $6,521-36.2% | $5,682-26.8% | $6,712-38.0% |
| Admin fee / account holder | $315 | $16,155-98.0% | $13,212-97.6% | $11,409-97.2% |