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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 | $49,117 | $129,239-62.0% | $93,419-47.4% | $158,966-69.1% |
| Participation rate | 56.3% | 70.9%-14.7pp | 66.8%-10.5pp | 82.0%-25.7pp |
| Annual return | 30.87% | 118.21%-87.3pp | 78.05%-47.2pp | 302.95%-272.1pp |
| Employer contribution / active EE | $2,138 | $2,711-21.1% | $2,075+3.0% | $4,762-55.1% |
| Participant deferral / active EE | $6,081 | $3,909+55.6% | $3,126+94.5% | $5,983+1.6% |
| Admin fee / account holder | $802 | $7,383-89.1% | $5,230-84.7% | $11,250-92.9% |