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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 | $58,095 | $108,942-46.7% | $100,415-42.1% | $145,897-60.2% |
| Participation rate | 50.0% | 83.0%-33.0pp | 81.5%-31.5pp | 80.3%-30.3pp |
| Annual return | 15.11% | 58.27%-43.2pp | 49.47%-34.4pp | 552.29%-537.2pp |
| Employer contribution / active EE | $6,175 | $4,422+39.6% | $3,943+56.6% | $4,663+32.4% |
| Participant deferral / active EE | $7,394 | $8,461-12.6% | $8,091-8.6% | $6,689+10.5% |
| Admin fee / account holder | $57,694 | $9,702+494.7% | $7,906+629.8% | $13,390+330.9% |