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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 | $28,401 | $105,200-73.0% | $159,474-82.2% | $85,847-66.9% |
| Participation rate | 66.7% | 75.8%-9.1pp | 82.8%-16.2pp | 69.3%-2.7pp |
| Annual return | 76.44% | 45.08%+31.4pp | 263.68%-187.2pp | 318.61%-242.2pp |
| Employer contribution / active EE | $4,478 | $3,319+34.9% | $4,831-7.3% | $2,565+74.6% |
| Participant deferral / active EE | $4,524 | $5,946-23.9% | $7,353-38.5% | $3,952+14.5% |
| Admin fee / account holder | $6,525 | $6,934-5.9% | $10,802-39.6% | $6,261+4.2% |