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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 | $30,587 | $111,878-72.7% | $93,727-67.4% | $145,897-79.0% |
| Participation rate | 50.0% | 74.2%-24.2pp | 68.7%-18.7pp | 80.3%-30.3pp |
| Annual return | 19.57% | 204.28%-184.7pp | 133.83%-114.3pp | 552.29%-532.7pp |
| Employer contribution / active EE | $3,276 | $3,092+5.9% | $2,421+35.3% | $4,663-29.7% |
| Participant deferral / active EE | $5,840 | $4,920+18.7% | $4,417+32.2% | $6,689-12.7% |
| Admin fee / account holder | $1,187 | $10,256-88.4% | $8,292-85.7% | $13,390-91.1% |