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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 | $46,751 | $183,539-74.5% | $155,556-69.9% | $145,897-68.0% |
| Participation rate | 54.5% | 82.7%-28.2pp | 78.2%-23.7pp | 80.3%-25.8pp |
| Annual return | 12.17% | 61.31%-49.1pp | 64.84%-52.7pp | 552.29%-540.1pp |
| Employer contribution / active EE | $1,403 | $5,315-73.6% | $4,675-70.0% | $4,663-69.9% |
| Participant deferral / active EE | $5,305 | $6,467-18.0% | $5,631-5.8% | $6,689-20.7% |
| Admin fee / account holder | $12,133 | $19,275-37.1% | $15,885-23.6% | $13,390-9.4% |