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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 | $51,611 | $166,089-68.9% | $164,928-68.7% | $145,978-64.6% |
| Participation rate | 63.6% | 82.0%-18.4pp | 78.6%-15.0pp | 80.3%-16.7pp |
| Annual return | 10.41% | 100.26%-89.8pp | 70.08%-59.7pp | 550.52%-540.1pp |
| Employer contribution / active EE | $4,389 | $5,276-16.8% | $4,343+1.1% | $4,662-5.8% |
| Participant deferral / active EE | $7,791 | $6,961+11.9% | $6,034+29.1% | $6,690+16.5% |
| Admin fee / account holder | $9,816 | $16,641-41.0% | $12,684-22.6% | $13,400-26.7% |