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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 | $26,313 | $175,257-85.0% | $149,717-82.4% | $139,456-81.1% |
| Participation rate | 69.2% | 83.4%-14.2pp | 78.8%-9.5pp | 80.3%-11.1pp |
| Annual return | 17.81% | 166.70%-148.9pp | 134.41%-116.6pp | 373.45%-355.6pp |
| Employer contribution / active EE | $2,601 | $5,477-52.5% | $4,820-46.0% | $4,753-45.3% |
| Participant deferral / active EE | $2,601 | $6,521-60.1% | $5,682-54.2% | $6,711-61.2% |
| Admin fee / account holder | $3,733 | $16,156-76.9% | $13,213-71.8% | $11,407-67.3% |