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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 | $32,115 | $152,460-78.9% | $118,746-73.0% | $147,586-78.2% |
| Participation rate | 66.7% | 82.3%-15.6pp | 78.3%-11.6pp | 82.8%-16.2pp |
| Annual return | 85.13% | 17.41%+67.7pp | 24.54%+60.6pp | 578.59%-493.5pp |
| Employer contribution / active EE | $1,290 | $5,046-74.4% | $4,193-69.2% | $4,876-73.5% |
| Participant deferral / active EE | $5,887 | $6,212-5.2% | $5,332+10.4% | $5,439+8.2% |
| Admin fee / account holder | $19,526 | $16,953+15.2% | $10,720+82.1% | $10,886+79.4% |