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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 | $42,592 | $169,356-74.9% | $129,406-67.1% | $145,897-70.8% |
| Participation rate | 39.1% | 76.5%-37.4pp | 69.6%-30.5pp | 80.3%-41.2pp |
| Annual return | 12.76% | 14418.62%-14405.9pp | 9468.18%-9455.4pp | 552.29%-539.5pp |
| Employer contribution / active EE | $1,789 | $5,542-67.7% | $4,155-56.9% | $4,663-61.6% |
| Participant deferral / active EE | $4,276 | $4,987-14.3% | $4,167+2.6% | $6,689-36.1% |
| Admin fee / account holder | $496 | $9,915-95.0% | $7,689-93.5% | $13,390-96.3% |