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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 | $29,300 | $103,038-71.6% | $90,324-67.6% | $152,909-80.8% |
| Participation rate | 58.3% | 75.9%-17.5pp | 73.3%-14.9pp | 82.5%-24.1pp |
| Annual return | 30.46% | 95.25%-64.8pp | 78.15%-47.7pp | 345.46%-315.0pp |
| Employer contribution / active EE | $2,327 | $3,141-25.9% | $2,856-18.5% | $4,764-51.1% |
| Participant deferral / active EE | $6,427 | $4,282+50.1% | $3,885+65.4% | $5,851+9.8% |
| Admin fee / account holder | $9,703 | $6,177+57.1% | $5,356+81.2% | $11,601-16.4% |