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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 | $22,641 | $227,633-90.1% | $189,597-88.1% | $167,553-86.5% |
| Participation rate | 50.0% | 82.5%-32.5pp | 78.4%-28.4pp | 82.1%-32.1pp |
| Annual return | 13.67% | 78.45%-64.8pp | 64.20%-50.5pp | 478.89%-465.2pp |
| Employer contribution / active EE | $3,123 | $5,317-41.3% | $4,412-29.2% | $4,840-35.5% |
| Participant deferral / active EE | $2,586 | $7,003-63.1% | $6,174-58.1% | $6,343-59.2% |
| Admin fee / account holder | $1,496 | $11,879-87.4% | $9,807-84.7% | $12,316-87.9% |