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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 | $60,622 | $160,040-62.1% | $147,096-58.8% | $145,877-58.4% |
| Participation rate | 59.1% | 84.0%-24.9pp | 82.2%-23.1pp | 80.3%-21.2pp |
| Annual return | 12.90% | 98.49%-85.6pp | 419.75%-406.8pp | 551.28%-538.4pp |
| Employer contribution / active EE | $2,660 | $5,289-49.7% | $4,936-46.1% | $4,663-42.9% |
| Participant deferral / active EE | $7,362 | $8,429-12.7% | $8,071-8.8% | $6,691+10.0% |
| Admin fee / account holder | $7,527 | $15,050-50.0% | $13,005-42.1% | $13,402-43.8% |