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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 | $58,805 | $166,131-64.6% | $164,975-64.4% | $145,877-59.7% |
| Participation rate | 43.8% | 82.0%-38.3pp | 78.6%-34.9pp | 80.3%-36.6pp |
| Annual return | 11.85% | 100.37%-88.5pp | 70.12%-58.3pp | 551.28%-539.4pp |
| Employer contribution / active EE | $1,972 | $5,276-62.6% | $4,343-54.6% | $4,663-57.7% |
| Participant deferral / active EE | $3,773 | $6,962-45.8% | $6,033-37.5% | $6,691-43.6% |
| Admin fee / account holder | $7,884 | $16,648-52.6% | $12,688-37.9% | $13,402-41.2% |