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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 | $25,957 | $183,516-85.9% | $155,534-83.3% | $145,884-82.2% |
| Participation rate | 50.0% | 82.7%-32.7pp | 78.2%-28.2pp | 80.3%-30.3pp |
| Annual return | 11.88% | 61.43%-49.5pp | 64.92%-53.0pp | 551.85%-540.0pp |
| Employer contribution / active EE | $1,720 | $5,315-67.6% | $4,675-63.2% | $4,662-63.1% |
| Participant deferral / active EE | $4,288 | $6,467-33.7% | $5,630-23.8% | $6,690-35.9% |
| Admin fee / account holder | $3,401 | $19,293-82.4% | $15,900-78.6% | $13,392-74.6% |