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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 | $76,168 | $100,139-23.9% | $85,187-10.6% | $145,884-47.8% |
| Participation rate | 33.3% | 74.1%-40.8pp | 67.5%-34.2pp | 80.3%-47.0pp |
| Annual return | 13.59% | 84.15%-70.6pp | 66.67%-53.1pp | 551.85%-538.3pp |
| Employer contribution / active EE | $2,451 | $3,238-24.3% | $2,732-10.3% | $4,662-47.4% |
| Participant deferral / active EE | $7,842 | $5,296+48.1% | $4,525+73.3% | $6,690+17.2% |
| Admin fee / account holder | $654 | $7,262-91.0% | $6,162-89.4% | $13,392-95.1% |