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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 | $44,246 | $111,785-60.4% | $93,669-52.8% | $145,877-69.7% |
| Participation rate | 50.0% | 74.2%-24.2pp | 68.7%-18.7pp | 80.3%-30.3pp |
| Annual return | 10.16% | 203.79%-193.6pp | 133.59%-123.4pp | 551.28%-541.1pp |
| Employer contribution / active EE | $2,504 | $3,096-19.1% | $2,424+3.3% | $4,663-46.3% |
| Participant deferral / active EE | $5,199 | $4,919+5.7% | $4,416+17.7% | $6,691-22.3% |
| Admin fee / account holder | $14,084 | $10,256+37.3% | $8,291+69.9% | $13,402+5.1% |