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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 | $55,743 | $115,814-51.9% | $101,275-45.0% | $158,982-64.9% |
| Participation rate | 25.0% | 79.4%-54.4pp | 75.8%-50.8pp | 82.0%-57.0pp |
| Annual return | 21.98% | 56.16%-34.2pp | 46.48%-24.5pp | 302.99%-281.0pp |
| Employer contribution / active EE | $975 | $4,176-76.6% | $3,660-73.4% | $4,763-79.5% |
| Participant deferral / active EE | $4,190 | $4,958-15.5% | $4,371-4.1% | $5,983-30.0% |
| Admin fee / account holder | $2,614 | $7,249-63.9% | $5,948-56.0% | $11,252-76.8% |