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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 | $23,141 | $160,040-85.5% | $147,096-84.3% | $145,877-84.1% |
| Participation rate | 52.6% | 84.0%-31.4pp | 82.2%-29.5pp | 80.3%-27.7pp |
| Annual return | 18.46% | 98.49%-80.0pp | 419.75%-401.3pp | 551.28%-532.8pp |
| Employer contribution / active EE | $5,151 | $5,289-2.6% | $4,936+4.4% | $4,663+10.5% |
| Participant deferral / active EE | $4,296 | $8,429-49.0% | $8,071-46.8% | $6,691-35.8% |
| Admin fee / account holder | $799 | $15,050-94.7% | $13,005-93.9% | $13,402-94.0% |