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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 | $52,733 | $72,071-26.8% | $68,368-22.9% | $137,256-61.6% |
| Participation rate | 60.0% | 76.2%-16.2pp | 73.8%-13.8pp | 80.0%-20.0pp |
| Annual return | 19.11% | 353.14%-334.0pp | 292.57%-273.5pp | 220.34%-201.2pp |
| Employer contribution / active EE | $2,208 | $2,788-20.8% | $2,649-16.6% | $4,156-46.9% |
| Participant deferral / active EE | $2,715 | $4,410-38.4% | $4,123-34.1% | $6,407-57.6% |
| Admin fee / account holder | $7,567 | $5,336+41.8% | $5,150+46.9% | $12,270-38.3% |