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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 | $39,945 | $112,131-64.4% | $95,964-58.4% | $158,982-74.9% |
| Participation rate | 68.8% | 79.0%-10.2pp | 77.1%-8.3pp | 82.0%-13.2pp |
| Annual return | 18.48% | 171.19%-152.7pp | 91.64%-73.2pp | 302.99%-284.5pp |
| Employer contribution / active EE | $1,789 | $3,199-44.1% | $2,541-29.6% | $4,763-62.4% |
| Participant deferral / active EE | $6,488 | $4,784+35.6% | $4,167+55.7% | $5,983+8.4% |
| Admin fee / account holder | $439 | $10,136-95.7% | $6,797-93.5% | $11,252-96.1% |