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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 | $22,336 | $160,040-86.0% | $147,096-84.8% | $145,877-84.7% |
| Participation rate | 50.0% | 84.0%-34.0pp | 82.2%-32.2pp | 80.3%-30.3pp |
| Annual return | 68.89% | 98.49%-29.6pp | 419.75%-350.9pp | 551.28%-482.4pp |
| Employer contribution / active EE | $3,298 | $5,289-37.7% | $4,936-33.2% | $4,663-29.3% |
| Participant deferral / active EE | $6,831 | $8,429-19.0% | $8,071-15.4% | $6,691+2.1% |
| Admin fee / account holder | $3,644 | $15,050-75.8% | $13,005-72.0% | $13,402-72.8% |