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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 | $53,874 | $157,276-65.7% | $141,177-61.8% | $152,885-64.8% |
| Participation rate | 62.5% | 84.8%-22.3pp | 82.5%-20.0pp | 82.5%-20.0pp |
| Annual return | 29.13% | 64.33%-35.2pp | 71.40%-42.3pp | 345.39%-316.3pp |
| Employer contribution / active EE | $7,546 | $5,262+43.4% | $4,736+59.3% | $4,763+58.4% |
| Participant deferral / active EE | $10,730 | $7,110+50.9% | $6,710+59.9% | $5,851+83.4% |
| Admin fee / account holder | $13,957 | $12,123+15.1% | $10,263+36.0% | $11,598+20.3% |