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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 | $43,180 | $144,130-70.0% | $117,861-63.4% | $147,586-70.7% |
| Participation rate | 50.0% | 83.4%-33.4pp | 79.7%-29.7pp | 82.8%-32.8pp |
| Annual return | 16.22% | 531.20%-515.0pp | 335.11%-318.9pp | 578.59%-562.4pp |
| Employer contribution / active EE | $4,339 | $4,897-11.4% | $3,786+14.6% | $4,876-11.0% |
| Participant deferral / active EE | $5,570 | $5,316+4.8% | $4,482+24.3% | $5,439+2.4% |
| Admin fee / account holder | $404 | $10,887-96.3% | $8,021-95.0% | $10,886-96.3% |