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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 | $47,809 | $90,489-47.2% | $76,051-37.1% | $145,978-67.2% |
| Participation rate | 57.9% | 74.5%-16.6pp | 69.1%-11.2pp | 80.3%-22.4pp |
| Annual return | 27.33% | 622.78%-595.4pp | 360.42%-333.1pp | 550.52%-523.2pp |
| Employer contribution / active EE | $2,976 | $3,319-10.3% | $2,690+10.6% | $4,662-36.2% |
| Participant deferral / active EE | $4,312 | $5,164-16.5% | $4,257+1.3% | $6,690-35.5% |
| Admin fee / account holder | $5,689 | $8,374-32.1% | $6,416-11.3% | $13,400-57.5% |