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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 | $36,788 | $150,197-75.5% | $120,368-69.4% | $145,959-74.8% |
| Participation rate | 50.0% | 78.8%-28.8pp | 71.9%-21.9pp | 80.3%-30.3pp |
| Annual return | 20.37% | 154.26%-133.9pp | 107.26%-86.9pp | 561.95%-541.6pp |
| Employer contribution / active EE | $921 | $4,350-78.8% | $3,465-73.4% | $4,661-80.2% |
| Participant deferral / active EE | $2,078 | $6,174-66.3% | $4,991-58.4% | $6,689-68.9% |
| Admin fee / account holder | $1,879 | $12,216-84.6% | $9,429-80.1% | $13,398-86.0% |