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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 | $47,564 | $148,629-68.0% | $135,982-65.0% | $139,487-65.9% |
| Participation rate | 66.7% | 83.9%-17.2pp | 81.9%-15.3pp | 80.3%-13.7pp |
| Annual return | 16.99% | 79.33%-62.3pp | 68.32%-51.3pp | 373.84%-356.8pp |
| Employer contribution / active EE | $2,663 | $5,247-49.2% | $4,859-45.2% | $4,755-44.0% |
| Participant deferral / active EE | $7,130 | $8,102-12.0% | $7,760-8.1% | $6,713+6.2% |
| Admin fee / account holder | $5,446 | $12,406-56.1% | $10,767-49.4% | $11,407-52.3% |