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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 | $34,065 | $106,001-67.9% | $92,235-63.1% | $147,585-76.9% |
| Participation rate | 68.4% | 80.4%-12.0pp | 76.5%-8.1pp | 82.8%-14.4pp |
| Annual return | 16.25% | 50.05%-33.8pp | 176.28%-160.0pp | 578.56%-562.3pp |
| Employer contribution / active EE | $3,487 | $4,333-19.5% | $3,679-5.2% | $4,876-28.5% |
| Participant deferral / active EE | $7,377 | $4,478+64.7% | $3,897+89.3% | $5,439+35.6% |
| Admin fee / account holder | $1,900 | $6,332-70.0% | $5,194-63.4% | $10,885-82.5% |