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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 | $134,817-54.4% | $123,973-50.4% | $155,188-60.3% |
| Participation rate | 50.0% | 79.4%-29.4pp | 76.7%-26.7pp | 80.8%-30.8pp |
| Annual return | 20.27% | 515.49%-495.2pp | 388.13%-367.9pp | 148.84%-128.6pp |
| Employer contribution / active EE | $2,170 | $4,425-51.0% | $4,126-47.4% | $4,248-48.9% |
| Participant deferral / active EE | $5,382 | $5,706-5.7% | $5,247+2.6% | $6,531-17.6% |
| Admin fee / account holder | $8,592 | $13,245-35.1% | $11,799-27.2% | $14,480-40.7% |