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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 | $66,757 | $175,259-61.9% | $149,723-55.4% | $139,487-52.1% |
| Participation rate | 50.0% | 83.4%-33.4pp | 78.8%-28.8pp | 80.3%-30.3pp |
| Annual return | 17.76% | 166.82%-149.1pp | 134.50%-116.7pp | 373.84%-356.1pp |
| Employer contribution / active EE | $1,808 | $5,478-67.0% | $4,821-62.5% | $4,755-62.0% |
| Participant deferral / active EE | $3,856 | $6,522-40.9% | $5,682-32.1% | $6,713-42.6% |
| Admin fee / account holder | $3,799 | $16,158-76.5% | $13,215-71.3% | $11,407-66.7% |