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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 | $25,396 | $138,076-81.6% | $123,553-79.4% | $135,380-81.2% |
| Participation rate | 56.3% | 84.7%-28.5pp | 82.3%-26.0pp | 82.6%-26.4pp |
| Annual return | 29.16% | 153.70%-124.5pp | 119.21%-90.0pp | 519.81%-490.6pp |
| Employer contribution / active EE | $2,010 | $5,152-61.0% | $4,628-56.6% | $4,779-57.9% |
| Participant deferral / active EE | $3,927 | $6,800-42.2% | $6,426-38.9% | $5,609-30.0% |
| Admin fee / account holder | $2,602 | $10,917-76.2% | $9,284-72.0% | $10,828-76.0% |