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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 | $40,449 | $180,749-77.6% | $160,784-74.8% | $137,256-70.5% |
| Participation rate | 42.1% | 80.0%-37.9pp | 77.0%-34.8pp | 80.0%-37.9pp |
| Annual return | 15.06% | 2234.46%-2219.4pp | 1803.92%-1788.9pp | 220.34%-205.3pp |
| Employer contribution / active EE | $703 | $4,155-83.1% | $3,733-81.2% | $4,156-83.1% |
| Participant deferral / active EE | $2,437 | $6,844-64.4% | $6,293-61.3% | $6,407-62.0% |
| Admin fee / account holder | $1,169 | $10,397-88.8% | $9,717-88.0% | $12,270-90.5% |