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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 | $49,931 | $166,131-69.9% | $164,975-69.7% | $145,877-65.8% |
| Participation rate | 53.3% | 82.0%-28.7pp | 78.6%-25.3pp | 80.3%-27.0pp |
| Annual return | 9.94% | 100.37%-90.4pp | 70.12%-60.2pp | 551.28%-541.3pp |
| Employer contribution / active EE | $1,382 | $5,276-73.8% | $4,343-68.2% | $4,663-70.4% |
| Participant deferral / active EE | $3,319 | $6,962-52.3% | $6,033-45.0% | $6,691-50.4% |
| Admin fee / account holder | $1,826 | $16,648-89.0% | $12,688-85.6% | $13,402-86.4% |