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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 | $52,950 | $160,040-66.9% | $147,096-64.0% | $145,877-63.7% |
| Participation rate | 66.7% | 84.0%-17.4pp | 82.2%-15.5pp | 80.3%-13.6pp |
| Annual return | 19.43% | 98.49%-79.1pp | 419.75%-400.3pp | 551.28%-531.8pp |
| Employer contribution / active EE | $1,709 | $5,289-67.7% | $4,936-65.4% | $4,663-63.4% |
| Participant deferral / active EE | $4,719 | $8,429-44.0% | $8,071-41.5% | $6,691-29.5% |
| Admin fee / account holder | $4,828 | $15,050-67.9% | $13,005-62.9% | $13,402-64.0% |