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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 | $38,947 | $150,412-74.1% | $120,574-67.7% | $145,884-73.3% |
| Participation rate | 23.5% | 78.8%-55.3pp | 71.9%-48.4pp | 80.3%-56.8pp |
| Annual return | 9.32% | 154.50%-145.2pp | 107.42%-98.1pp | 551.85%-542.5pp |
| Employer contribution / active EE | $1,230 | $4,355-71.7% | $3,471-64.6% | $4,662-73.6% |
| Participant deferral / active EE | $2,133 | $6,175-65.5% | $4,996-57.3% | $6,690-68.1% |
| Admin fee / account holder | $945 | $12,224-92.3% | $9,445-90.0% | $13,392-92.9% |