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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 | $63,903 | $100,811-36.6% | $86,698-26.3% | $134,545-52.5% |
| Participation rate | 57.1% | 79.0%-21.8pp | 76.6%-19.4pp | 81.2%-24.1pp |
| Annual return | 87.56% | 29.11%+58.4pp | 35.96%+51.6pp | 418.37%-330.8pp |
| Employer contribution / active EE | $1,518 | $3,490-56.5% | $2,837-46.5% | $4,742-68.0% |
| Participant deferral / active EE | $7,922 | $5,339+48.4% | $4,656+70.1% | $6,401+23.8% |
| Admin fee / account holder | $2,980 | $10,926-72.7% | $7,492-60.2% | $11,431-73.9% |