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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 | $53,670 | $152,612-64.8% | $125,192-57.1% | $152,897-64.9% |
| Participation rate | 63.6% | 83.3%-19.7pp | 79.8%-16.1pp | 82.5%-18.8pp |
| Annual return | 22.31% | 54.85%-32.5pp | 43.79%-21.5pp | 345.43%-323.1pp |
| Employer contribution / active EE | $2,158 | $4,947-56.4% | $3,866-44.2% | $4,764-54.7% |
| Participant deferral / active EE | $4,410 | $5,868-24.8% | $4,937-10.7% | $5,851-24.6% |
| Admin fee / account holder | $360 | $13,437-97.3% | $9,704-96.3% | $11,599-96.9% |