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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 | $61,535 | $171,492-64.1% | $150,734-59.2% | $198,609-69.0% |
| Participation rate | 50.0% | 81.4%-31.4pp | 78.4%-28.4pp | 82.4%-32.4pp |
| Annual return | 20.27% | 804.70%-784.4pp | 600.81%-580.5pp | 202.70%-182.4pp |
| Employer contribution / active EE | $2,170 | $5,470-60.3% | $4,918-55.9% | $5,055-57.1% |
| Participant deferral / active EE | $5,382 | $6,259-14.0% | $5,610-4.1% | $6,977-22.9% |
| Admin fee / account holder | $8,592 | $17,628-51.3% | $14,905-42.4% | $19,030-54.8% |