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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 | $11,534 | $109,344-89.5% | $89,400-87.1% | $158,950-92.7% |
| Participation rate | 36.4% | 74.3%-37.9pp | 68.0%-31.6pp | 82.0%-45.6pp |
| Annual return | 34.39% | 345.73%-311.3pp | 245.64%-211.3pp | 302.91%-268.5pp |
| Employer contribution / active EE | $1,910 | $3,170-39.8% | $2,586-26.1% | $4,762-59.9% |
| Participant deferral / active EE | $5,070 | $4,599+10.2% | $3,890+30.3% | $5,983-15.3% |
| Admin fee / account holder | $8,904 | $6,154+44.7% | $4,882+82.4% | $11,248-20.8% |