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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 | $45,775 | $138,075-66.8% | $123,552-63.0% | $135,379-66.2% |
| Participation rate | 54.2% | 84.7%-30.6pp | 82.3%-28.1pp | 82.6%-28.5pp |
| Annual return | 21.01% | 153.70%-132.7pp | 119.20%-98.2pp | 519.79%-498.8pp |
| Employer contribution / active EE | $4,780 | $5,152-7.2% | $4,628+3.3% | $4,7790% |
| Participant deferral / active EE | $2,390 | $6,800-64.9% | $6,426-62.8% | $5,609-57.4% |
| Admin fee / account holder | $407 | $10,917-96.3% | $9,285-95.6% | $10,828-96.2% |