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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 | $58,398 | $108,897-46.4% | $100,378-41.8% | $145,877-60.0% |
| Participation rate | 60.0% | 83.0%-23.0pp | 81.5%-21.5pp | 80.3%-20.3pp |
| Annual return | 14.60% | 58.17%-43.6pp | 49.41%-34.8pp | 551.28%-536.7pp |
| Employer contribution / active EE | $2,073 | $4,420-53.1% | $3,942-47.4% | $4,663-55.5% |
| Participant deferral / active EE | $6,966 | $8,455-17.6% | $8,087-13.9% | $6,691+4.1% |
| Admin fee / account holder | $387 | $9,690-96.0% | $7,899-95.1% | $13,402-97.1% |