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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 | $19,200 | $175,259-89.0% | $149,723-87.2% | $139,487-86.2% |
| Participation rate | 58.3% | 83.4%-25.1pp | 78.8%-20.4pp | 80.3%-22.0pp |
| Annual return | 29.53% | 166.82%-137.3pp | 134.50%-105.0pp | 373.84%-344.3pp |
| Employer contribution / active EE | $3,170 | $5,478-42.1% | $4,821-34.3% | $4,755-33.3% |
| Participant deferral / active EE | $7,748 | $6,522+18.8% | $5,682+36.3% | $6,713+15.4% |
| Admin fee / account holder | $6,018 | $16,158-62.8% | $13,215-54.5% | $11,407-47.2% |