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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 | $49,609 | $144,130-65.6% | $117,861-57.9% | $147,586-66.4% |
| Participation rate | 50.0% | 83.4%-33.4pp | 79.7%-29.7pp | 82.8%-32.8pp |
| Annual return | 14.47% | 531.20%-516.7pp | 335.11%-320.6pp | 578.59%-564.1pp |
| Employer contribution / active EE | $1,280 | $4,897-73.9% | $3,786-66.2% | $4,876-73.8% |
| Participant deferral / active EE | $3,864 | $5,316-27.3% | $4,482-13.8% | $5,439-29.0% |
| Admin fee / account holder | $5,868 | $10,887-46.1% | $8,021-26.8% | $10,886-46.1% |