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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 | $18,365 | $114,073-83.9% | $96,161-80.9% | $167,518-89.0% |
| Participation rate | 50.0% | 75.1%-25.1pp | 68.4%-18.4pp | 82.1%-32.1pp |
| Annual return | 17.13% | 189.95%-172.8pp | 192.01%-174.9pp | 478.71%-461.6pp |
| Employer contribution / active EE | $1,512 | $3,428-55.9% | $2,798-46.0% | $4,838-68.8% |
| Participant deferral / active EE | $5,674 | $5,195+9.2% | $4,349+30.4% | $6,342-10.5% |
| Admin fee / account holder | $1,312 | $6,899-81.0% | $5,538-76.3% | $12,312-89.3% |