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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 | $41,251 | $100,203-58.8% | $85,240-51.6% | $145,897-71.7% |
| Participation rate | 64.7% | 74.1%-9.4pp | 67.5%-2.8pp | 80.3%-15.6pp |
| Annual return | 14.85% | 84.28%-69.4pp | 66.75%-51.9pp | 552.29%-537.4pp |
| Employer contribution / active EE | $4,483 | $3,242+38.3% | $2,735+63.9% | $4,663-3.9% |
| Participant deferral / active EE | $9,126 | $5,299+72.2% | $4,527+101.6% | $6,689+36.4% |
| Admin fee / account holder | $3,744 | $7,265-48.5% | $6,165-39.3% | $13,390-72.0% |