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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 | $62,807 | $148,623-57.7% | $135,974-53.8% | $139,466-55.0% |
| Participation rate | 54.5% | 83.9%-29.3pp | 81.9%-27.4pp | 80.3%-25.8pp |
| Annual return | 16.88% | 79.30%-62.4pp | 68.30%-51.4pp | 373.66%-356.8pp |
| Employer contribution / active EE | $2,078 | $5,246-60.4% | $4,859-57.2% | $4,754-56.3% |
| Participant deferral / active EE | $6,956 | $8,103-14.2% | $7,760-10.4% | $6,712+3.6% |
| Admin fee / account holder | $813 | $12,406-93.4% | $10,767-92.4% | $11,409-92.9% |