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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 | $51,736 | $165,361-68.7% | $149,715-65.4% | $158,950-67.5% |
| Participation rate | 50.0% | 84.6%-34.6pp | 82.5%-32.5pp | 82.0%-32.0pp |
| Annual return | 47.33% | 348.24%-300.9pp | 276.66%-229.3pp | 302.91%-255.6pp |
| Employer contribution / active EE | $4,916 | $5,103-3.7% | $4,645+5.8% | $4,762+3.2% |
| Participant deferral / active EE | $5,532 | $7,182-23.0% | $6,842-19.2% | $5,983-7.5% |
| Admin fee / account holder | $783 | $10,808-92.8% | $9,310-91.6% | $11,248-93.0% |