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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 | $60,549 | $115,796-47.7% | $101,264-40.2% | $158,950-61.9% |
| Participation rate | 46.7% | 79.4%-32.7pp | 75.8%-29.1pp | 82.0%-35.3pp |
| Annual return | 10.59% | 56.15%-45.6pp | 46.48%-35.9pp | 302.91%-292.3pp |
| Employer contribution / active EE | $2,107 | $4,175-49.5% | $3,660-42.4% | $4,762-55.8% |
| Participant deferral / active EE | $5,425 | $4,958+9.4% | $4,370+24.1% | $5,983-9.3% |
| Admin fee / account holder | $8,667 | $7,247+19.6% | $5,947+45.7% | $11,248-22.9% |