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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 | $84,197 | $160,028-47.4% | $147,080-42.8% | $145,884-42.3% |
| Participation rate | 69.2% | 84.0%-14.8pp | 82.2%-13.0pp | 80.3%-11.1pp |
| Annual return | 14.09% | 98.60%-84.5pp | 420.17%-406.1pp | 551.85%-537.8pp |
| Employer contribution / active EE | $2,259 | $5,286-57.3% | $4,933-54.2% | $4,662-51.5% |
| Participant deferral / active EE | $6,604 | $8,422-21.6% | $8,066-18.1% | $6,690-1.3% |
| Admin fee / account holder | $1,390 | $15,030-90.7% | $12,989-89.3% | $13,392-89.6% |