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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 | $49,199 | $115,810-57.5% | $101,271-51.4% | $158,966-69.1% |
| Participation rate | 61.5% | 79.4%-17.8pp | 75.8%-14.3pp | 82.0%-20.4pp |
| Annual return | 11.34% | 56.15%-44.8pp | 46.48%-35.1pp | 302.95%-291.6pp |
| Employer contribution / active EE | $1,995 | $4,175-52.2% | $3,660-45.5% | $4,762-58.1% |
| Participant deferral / active EE | $4,284 | $4,958-13.6% | $4,371-2.0% | $5,983-28.4% |
| Admin fee / account holder | $3,635 | $7,248-49.9% | $5,948-38.9% | $11,250-67.7% |