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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 | $27,228 | $166,131-83.6% | $164,975-83.5% | $145,877-81.3% |
| Participation rate | 53.8% | 82.0%-28.2pp | 78.6%-24.8pp | 80.3%-26.5pp |
| Annual return | 15.87% | 100.37%-84.5pp | 70.12%-54.2pp | 551.28%-535.4pp |
| Employer contribution / active EE | $2,178 | $5,276-58.7% | $4,343-49.9% | $4,663-53.3% |
| Participant deferral / active EE | $5,392 | $6,962-22.6% | $6,033-10.6% | $6,691-19.4% |
| Admin fee / account holder | $3,000 | $16,648-82.0% | $12,688-76.4% | $13,402-77.6% |