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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 | $41,171 | $115,796-64.4% | $101,264-59.3% | $158,950-74.1% |
| Participation rate | 66.7% | 79.4%-12.7pp | 75.8%-9.1pp | 82.0%-15.3pp |
| Annual return | 13.46% | 56.15%-42.7pp | 46.48%-33.0pp | 302.91%-289.5pp |
| Employer contribution / active EE | $2,411 | $4,175-42.3% | $3,660-34.1% | $4,762-49.4% |
| Participant deferral / active EE | $7,799 | $4,958+57.3% | $4,370+78.4% | $5,983+30.4% |
| Admin fee / account holder | $462 | $7,247-93.6% | $5,947-92.2% | $11,248-95.9% |