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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 | $38,365 | $183,592-79.1% | $155,574-75.3% | $145,877-73.7% |
| Participation rate | 55.6% | 82.7%-27.1pp | 78.2%-22.7pp | 80.3%-24.7pp |
| Annual return | 12.58% | 61.37%-48.8pp | 64.87%-52.3pp | 551.28%-538.7pp |
| Employer contribution / active EE | $2,398 | $5,317-54.9% | $4,676-48.7% | $4,663-48.6% |
| Participant deferral / active EE | $8,240 | $6,466+27.4% | $5,629+46.4% | $6,691+23.2% |
| Admin fee / account holder | $4,806 | $19,316-75.1% | $15,914-69.8% | $13,402-64.1% |