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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 | $42,035 | $154,209-72.7% | $130,062-67.7% | $139,487-69.9% |
| Participation rate | 62.5% | 82.0%-19.5pp | 78.5%-16.0pp | 80.3%-17.8pp |
| Annual return | 19.66% | 32.52%-12.9pp | -137.37%+157.0pp | 373.84%-354.2pp |
| Employer contribution / active EE | $6,956 | $5,292+31.4% | $4,322+60.9% | $4,755+46.3% |
| Participant deferral / active EE | $10,897 | $6,709+62.4% | $5,821+87.2% | $6,713+62.3% |
| Admin fee / account holder | $5,923 | $13,988-57.7% | $10,601-44.1% | $11,407-48.1% |