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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 | $59,487 | $160,028-62.8% | $147,080-59.6% | $145,884-59.2% |
| Participation rate | 50.0% | 84.0%-34.0pp | 82.2%-32.2pp | 80.3%-30.3pp |
| Annual return | 13.83% | 98.60%-84.8pp | 420.17%-406.3pp | 551.85%-538.0pp |
| Employer contribution / active EE | $2,686 | $5,286-49.2% | $4,933-45.6% | $4,662-42.4% |
| Participant deferral / active EE | $11,017 | $8,422+30.8% | $8,066+36.6% | $6,690+64.7% |
| Admin fee / account holder | $6,707 | $15,030-55.4% | $12,989-48.4% | $13,392-49.9% |