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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 | $87,135 | $166,131-47.6% | $164,975-47.2% | $145,877-40.3% |
| Participation rate | 43.8% | 82.0%-38.3pp | 78.6%-34.9pp | 80.3%-36.6pp |
| Annual return | 9.50% | 100.37%-90.9pp | 70.12%-60.6pp | 551.28%-541.8pp |
| Employer contribution / active EE | $2,182 | $5,276-58.6% | $4,343-49.8% | $4,663-53.2% |
| Participant deferral / active EE | $5,744 | $6,962-17.5% | $6,033-4.8% | $6,691-14.2% |
| Admin fee / account holder | $1,065 | $16,648-93.6% | $12,688-91.6% | $13,402-92.1% |