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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 | $160,028-62.1% | $147,080-58.8% | $145,884-58.4% |
| Participation rate | 59.1% | 84.0%-24.9pp | 82.2%-23.1pp | 80.3%-21.2pp |
| Annual return | 12.90% | 98.60%-85.7pp | 420.17%-407.3pp | 551.85%-538.9pp |
| Employer contribution / active EE | $2,660 | $5,286-49.7% | $4,933-46.1% | $4,662-42.9% |
| Participant deferral / active EE | $7,362 | $8,422-12.6% | $8,066-8.7% | $6,690+10.0% |
| Admin fee / account holder | $7,527 | $15,030-49.9% | $12,989-42.1% | $13,392-43.8% |