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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 | $64,202 | $166,268-61.4% | $165,100-61.1% | $145,897-56.0% |
| Participation rate | 57.9% | 82.0%-24.1pp | 78.6%-20.7pp | 80.3%-22.4pp |
| Annual return | 11.72% | 100.52%-88.8pp | 70.21%-58.5pp | 552.29%-540.6pp |
| Employer contribution / active EE | $2,244 | $5,284-57.5% | $4,348-48.4% | $4,663-51.9% |
| Participant deferral / active EE | $3,649 | $6,964-47.6% | $6,035-39.5% | $6,689-45.4% |
| Admin fee / account holder | $2,706 | $16,659-83.8% | $12,696-78.7% | $13,390-79.8% |