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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 | $24,252 | $115,814-79.1% | $101,275-76.1% | $158,982-84.7% |
| Participation rate | 59.1% | 79.4%-20.3pp | 75.8%-16.7pp | 82.0%-22.9pp |
| Annual return | 20.44% | 56.16%-35.7pp | 46.48%-26.0pp | 302.99%-282.5pp |
| Employer contribution / active EE | $3,241 | $4,176-22.4% | $3,660-11.4% | $4,763-31.9% |
| Participant deferral / active EE | $4,878 | $4,958-1.6% | $4,371+11.6% | $5,983-18.5% |
| Admin fee / account holder | $3,879 | $7,249-46.5% | $5,948-34.8% | $11,252-65.5% |