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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 | $48,038 | $100,139-52.0% | $85,187-43.6% | $145,884-67.1% |
| Participation rate | 63.6% | 74.1%-10.5pp | 67.5%-3.9pp | 80.3%-16.7pp |
| Annual return | 12.90% | 84.15%-71.3pp | 66.67%-53.8pp | 551.85%-539.0pp |
| Employer contribution / active EE | $4,120 | $3,238+27.2% | $2,732+50.8% | $4,662-11.6% |
| Participant deferral / active EE | $2,579 | $5,296-51.3% | $4,525-43.0% | $6,690-61.5% |
| Admin fee / account holder | $7,713 | $7,262+6.2% | $6,162+25.2% | $13,392-42.4% |