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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 | $111,785-72.6% | $93,669-67.3% | $145,877-79.0% |
| Participation rate | 50.0% | 74.2%-24.2pp | 68.7%-18.7pp | 80.3%-30.3pp |
| Annual return | 19.57% | 203.79%-184.2pp | 133.59%-114.0pp | 551.28%-531.7pp |
| Employer contribution / active EE | $3,276 | $3,096+5.8% | $2,424+35.2% | $4,663-29.7% |
| Participant deferral / active EE | $5,840 | $4,919+18.7% | $4,416+32.3% | $6,691-12.7% |
| Admin fee / account holder | $1,187 | $10,256-88.4% | $8,291-85.7% | $13,402-91.1% |