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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 | $78,741 | $100,139-21.4% | $85,187-7.6% | $145,884-46.0% |
| Participation rate | 58.8% | 74.1%-15.3pp | 67.5%-8.7pp | 80.3%-21.5pp |
| Annual return | 13.93% | 84.15%-70.2pp | 66.67%-52.7pp | 551.85%-537.9pp |
| Employer contribution / active EE | $2,329 | $3,238-28.1% | $2,732-14.8% | $4,662-50.0% |
| Participant deferral / active EE | $5,026 | $5,296-5.1% | $4,525+11.1% | $6,690-24.9% |
| Admin fee / account holder | $1,504 | $7,262-79.3% | $6,162-75.6% | $13,392-88.8% |