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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 | $23,330 | $166,242-86.0% | $165,071-85.9% | $145,884-84.0% |
| Participation rate | 58.3% | 82.0%-23.7pp | 78.6%-20.3pp | 80.3%-22.0pp |
| Annual return | 13.20% | 100.44%-87.2pp | 70.17%-57.0pp | 551.85%-538.6pp |
| Employer contribution / active EE | $1,735 | $5,283-67.2% | $4,347-60.1% | $4,662-62.8% |
| Participant deferral / active EE | $3,812 | $6,964-45.3% | $6,035-36.8% | $6,690-43.0% |
| Admin fee / account holder | $3,399 | $16,658-79.6% | $12,695-73.2% | $13,392-74.6% |