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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 | $38,772 | $166,268-76.7% | $165,100-76.5% | $145,897-73.4% |
| Participation rate | 55.0% | 82.0%-27.0pp | 78.6%-23.6pp | 80.3%-25.3pp |
| Annual return | 18.13% | 100.52%-82.4pp | 70.21%-52.1pp | 552.29%-534.2pp |
| Employer contribution / active EE | $2,891 | $5,284-45.3% | $4,348-33.5% | $4,663-38.0% |
| Participant deferral / active EE | $5,534 | $6,964-20.5% | $6,035-8.3% | $6,689-17.3% |
| Admin fee / account holder | $2,055 | $16,659-87.7% | $12,696-83.8% | $13,390-84.7% |