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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 | $47,472 | $100,938-53.0% | $90,461-47.5% | $158,982-70.1% |
| Participation rate | 35.7% | 75.0%-39.3pp | 72.7%-37.0pp | 82.0%-46.3pp |
| Annual return | 9.03% | 1727.20%-1718.2pp | 1294.76%-1285.7pp | 302.99%-294.0pp |
| Employer contribution / active EE | $736 | $3,691-80.1% | $3,264-77.5% | $4,763-84.5% |
| Participant deferral / active EE | $4,115 | $4,350-5.4% | $3,964+3.8% | $5,983-31.2% |
| Admin fee / account holder | $3,361 | $6,510-48.4% | $5,617-40.2% | $11,252-70.1% |