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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 | $42,169 | $100,203-57.9% | $85,240-50.5% | $145,897-71.1% |
| Participation rate | 65.0% | 74.1%-9.1pp | 67.5%-2.5pp | 80.3%-15.3pp |
| Annual return | 18.19% | 84.28%-66.1pp | 66.75%-48.6pp | 552.29%-534.1pp |
| Employer contribution / active EE | $2,132 | $3,242-34.2% | $2,735-22.0% | $4,663-54.3% |
| Participant deferral / active EE | $5,002 | $5,299-5.6% | $4,527+10.5% | $6,689-25.2% |
| Admin fee / account holder | $7,085 | $7,265-2.5% | $6,165+14.9% | $13,390-47.1% |