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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 | $34,489 | $148,582-76.8% | $135,942-74.6% | $139,456-75.3% |
| Participation rate | 53.8% | 83.9%-30.0pp | 81.9%-28.1pp | 80.3%-26.5pp |
| Annual return | 18.43% | 79.26%-60.8pp | 68.28%-49.8pp | 373.45%-355.0pp |
| Employer contribution / active EE | $2,108 | $5,245-59.8% | $4,858-56.6% | $4,753-55.6% |
| Participant deferral / active EE | $4,571 | $8,101-43.6% | $7,759-41.1% | $6,711-31.9% |
| Admin fee / account holder | $4,413 | $12,402-64.4% | $10,764-59.0% | $11,407-61.3% |