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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 | $102,595-48.6% | $94,057-43.9% | $154,746-65.9% |
| Participation rate | 60.0% | 76.0%-16.0pp | 73.3%-13.3pp | 80.7%-20.7pp |
| Annual return | 19.11% | 583.42%-564.3pp | 480.62%-461.5pp | 172.34%-153.2pp |
| Employer contribution / active EE | $2,208 | $3,147-29.8% | $2,933-24.7% | $4,379-49.6% |
| Participant deferral / active EE | $2,715 | $5,118-46.9% | $4,709-42.3% | $6,730-59.7% |
| Admin fee / account holder | $7,567 | $7,736-2.2% | $7,244+4.4% | $14,365-47.3% |