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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 | $67,451 | $115,814-41.8% | $101,275-33.4% | $158,982-57.6% |
| Participation rate | 56.3% | 79.4%-23.1pp | 75.8%-19.6pp | 82.0%-25.7pp |
| Annual return | 20.09% | 56.16%-36.1pp | 46.48%-26.4pp | 302.99%-282.9pp |
| Employer contribution / active EE | $2,240 | $4,176-46.4% | $3,660-38.8% | $4,763-53.0% |
| Participant deferral / active EE | $6,629 | $4,958+33.7% | $4,371+51.7% | $5,983+10.8% |
| Admin fee / account holder | $1,985 | $7,249-72.6% | $5,948-66.6% | $11,252-82.4% |