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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 | $36,120 | $111,878-67.7% | $93,727-61.5% | $145,897-75.2% |
| Participation rate | 55.0% | 74.2%-19.2pp | 68.7%-13.7pp | 80.3%-25.3pp |
| Annual return | 17.36% | 204.28%-186.9pp | 133.83%-116.5pp | 552.29%-534.9pp |
| Employer contribution / active EE | $1,987 | $3,092-35.7% | $2,421-17.9% | $4,663-57.4% |
| Participant deferral / active EE | $2,447 | $4,920-50.3% | $4,417-44.6% | $6,689-63.4% |
| Admin fee / account holder | $1,416 | $10,256-86.2% | $8,292-82.9% | $13,390-89.4% |