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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 | $150,346-75.5% | $120,524-69.5% | $145,877-74.8% |
| Participation rate | 50.0% | 78.8%-28.8pp | 71.9%-21.9pp | 80.3%-30.3pp |
| Annual return | 20.37% | 154.40%-134.0pp | 107.36%-87.0pp | 551.28%-530.9pp |
| Employer contribution / active EE | $921 | $4,353-78.9% | $3,469-73.5% | $4,663-80.3% |
| Participant deferral / active EE | $2,078 | $6,172-66.3% | $4,994-58.4% | $6,691-68.9% |
| Admin fee / account holder | $1,879 | $12,215-84.6% | $9,440-80.1% | $13,402-86.0% |