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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 | $49,160 | $83,337-41.0% | $67,834-27.5% | $273,972-82.1% |
| Participation rate | 40.0% | 76.4%-36.4pp | 68.8%-28.8pp | 83.0%-43.0pp |
| Annual return | 27.59% | 259.45%-231.9pp | 138.47%-110.9pp | 41.46%-13.9pp |
| Employer contribution / active EE | $6,195 | $3,287+88.5% | $2,403+157.8% | $4,869+27.2% |
| Participant deferral / active EE | $4,297 | $4,088+5.1% | $3,160+36.0% | $5,287-18.7% |
| Admin fee / account holder | $10,312 | $6,752+52.7% | $4,622+123.1% | $10,133+1.8% |