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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 | $41,127 | $183,539-77.6% | $155,556-73.6% | $145,897-71.8% |
| Participation rate | 33.3% | 82.7%-49.4pp | 78.2%-44.9pp | 80.3%-47.0pp |
| Annual return | 10.10% | 61.31%-51.2pp | 64.84%-54.7pp | 552.29%-542.2pp |
| Employer contribution / active EE | $2,512 | $5,315-52.7% | $4,675-46.3% | $4,663-46.1% |
| Participant deferral / active EE | $5,433 | $6,467-16.0% | $5,631-3.5% | $6,689-18.8% |
| Admin fee / account holder | $4,356 | $19,275-77.4% | $15,885-72.6% | $13,390-67.5% |