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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 | $36,882 | $148,629-75.2% | $135,982-72.9% | $139,487-73.6% |
| Participation rate | 50.0% | 83.9%-33.9pp | 81.9%-31.9pp | 80.3%-30.3pp |
| Annual return | 16.60% | 79.33%-62.7pp | 68.32%-51.7pp | 373.84%-357.2pp |
| Employer contribution / active EE | $2,044 | $5,247-61.0% | $4,859-57.9% | $4,755-57.0% |
| Participant deferral / active EE | $2,532 | $8,102-68.8% | $7,760-67.4% | $6,713-62.3% |
| Admin fee / account holder | $58,868 | $12,406+374.5% | $10,767+446.7% | $11,407+416.1% |