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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 | $22,311 | $211,288-89.4% | $178,540-87.5% | $145,884-84.7% |
| Participation rate | 50.0% | 80.8%-30.8pp | 77.1%-27.1pp | 80.3%-30.3pp |
| Annual return | 10.42% | 30.27%-19.8pp | 27.15%-16.7pp | 551.85%-541.4pp |
| Employer contribution / active EE | $2,778 | $4,574-39.3% | $3,953-29.7% | $4,662-40.4% |
| Participant deferral / active EE | $12,323 | $6,967+76.9% | $6,281+96.2% | $6,690+84.2% |
| Admin fee / account holder | $4,077 | $12,105-66.3% | $10,424-60.9% | $13,392-69.6% |