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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 | $34,040 | $202,440-83.2% | $169,390-79.9% | $139,466-75.6% |
| Participation rate | 50.0% | 81.1%-31.1pp | 77.2%-27.2pp | 80.3%-30.3pp |
| Annual return | 374.48% | 532.36%-157.9pp | 406.07%-31.6pp | 373.66%+0.8pp |
| Employer contribution / active EE | $1,530 | $4,693-67.4% | $4,013-61.9% | $4,754-67.8% |
| Participant deferral / active EE | $3,710 | $6,940-46.5% | $6,222-40.4% | $6,712-44.7% |
| Admin fee / account holder | $680 | $10,722-93.7% | $9,015-92.5% | $11,409-94.0% |