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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 | $61,037 | $148,623-58.9% | $135,974-55.1% | $139,466-56.2% |
| Participation rate | 63.6% | 83.9%-20.2pp | 81.9%-18.3pp | 80.3%-16.7pp |
| Annual return | 21.71% | 79.30%-57.6pp | 68.30%-46.6pp | 373.66%-352.0pp |
| Employer contribution / active EE | $1,992 | $5,246-62.0% | $4,859-59.0% | $4,754-58.1% |
| Participant deferral / active EE | $3,759 | $8,103-53.6% | $7,760-51.6% | $6,712-44.0% |
| Admin fee / account holder | $2,514 | $12,406-79.7% | $10,767-76.6% | $11,409-78.0% |