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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 | $56,580 | $160,028-64.6% | $147,080-61.5% | $145,884-61.2% |
| Participation rate | 50.0% | 84.0%-34.0pp | 82.2%-32.2pp | 80.3%-30.3pp |
| Annual return | 12.22% | 98.60%-86.4pp | 420.17%-407.9pp | 551.85%-539.6pp |
| Employer contribution / active EE | $1,199 | $5,286-77.3% | $4,933-75.7% | $4,662-74.3% |
| Participant deferral / active EE | $4,644 | $8,422-44.9% | $8,066-42.4% | $6,690-30.6% |
| Admin fee / account holder | $1,041 | $15,030-93.1% | $12,989-92.0% | $13,392-92.2% |