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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 | $34,614 | $156,398-77.9% | $147,318-76.5% | $138,895-75.1% |
| Participation rate | 44.4% | 83.8%-39.3pp | 82.1%-37.6pp | 79.9%-35.5pp |
| Annual return | 132.16% | 78.75%+53.4pp | 70.43%+61.7pp | 145.39%-13.2pp |
| Employer contribution / active EE | $1,522 | $4,853-68.6% | $4,593-66.9% | $4,194-63.7% |
| Participant deferral / active EE | $7,980 | $8,237-3.1% | $7,906+0.9% | $6,396+24.8% |
| Admin fee / account holder | $14,460 | $14,976-3.4% | $13,708+5.5% | $12,562+15.1% |