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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 | $54,210 | $183,539-70.5% | $155,556-65.2% | $145,897-62.8% |
| Participation rate | 37.5% | 82.7%-45.2pp | 78.2%-40.7pp | 80.3%-42.8pp |
| Annual return | 14.95% | 61.31%-46.4pp | 64.84%-49.9pp | 552.29%-537.3pp |
| Employer contribution / active EE | $1,935 | $5,315-63.6% | $4,675-58.6% | $4,663-58.5% |
| Participant deferral / active EE | $10,116 | $6,467+56.4% | $5,631+79.6% | $6,689+51.2% |
| Admin fee / account holder | $8,402 | $19,275-56.4% | $15,885-47.1% | $13,390-37.3% |