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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 | $41,984 | $166,268-74.7% | $165,100-74.6% | $145,897-71.2% |
| Participation rate | 50.0% | 82.0%-32.0pp | 78.6%-28.6pp | 80.3%-30.3pp |
| Annual return | 9.70% | 100.52%-90.8pp | 70.21%-60.5pp | 552.29%-542.6pp |
| Employer contribution / active EE | $1,882 | $5,284-64.4% | $4,348-56.7% | $4,663-59.6% |
| Participant deferral / active EE | $3,512 | $6,964-49.6% | $6,035-41.8% | $6,689-47.5% |
| Admin fee / account holder | $2,668 | $16,659-84.0% | $12,696-79.0% | $13,390-80.1% |