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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 | $48,086 | $111,785-57.0% | $93,669-48.7% | $145,877-67.0% |
| Participation rate | 60.0% | 74.2%-14.2pp | 68.7%-8.7pp | 80.3%-20.3pp |
| Annual return | 10.84% | 203.79%-192.9pp | 133.59%-122.8pp | 551.28%-540.4pp |
| Employer contribution / active EE | $3,302 | $3,096+6.6% | $2,424+36.2% | $4,663-29.2% |
| Participant deferral / active EE | $5,656 | $4,919+15.0% | $4,416+28.1% | $6,691-15.5% |
| Admin fee / account holder | $530 | $10,256-94.8% | $8,291-93.6% | $13,402-96.0% |