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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 | $36,509 | $148,623-75.4% | $135,974-73.1% | $139,466-73.8% |
| Participation rate | 57.1% | 83.9%-26.7pp | 81.9%-24.8pp | 80.3%-23.2pp |
| Annual return | 14.59% | 79.30%-64.7pp | 68.30%-53.7pp | 373.66%-359.1pp |
| Employer contribution / active EE | $2,481 | $5,246-52.7% | $4,859-48.9% | $4,754-47.8% |
| Participant deferral / active EE | $7,231 | $8,103-10.8% | $7,760-6.8% | $6,712+7.7% |
| Admin fee / account holder | $3,274 | $12,406-73.6% | $10,767-69.6% | $11,409-71.3% |