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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 | $47,083 | $101,591-53.7% | $147,096-68.0% | $74,429-36.7% |
| Participation rate | 58.5% | 75.5%-17.1pp | 82.2%-23.7pp | 67.2%-8.7pp |
| Annual return | 37.87% | 8746.45%-8708.6pp | 419.75%-381.9pp | 1368.38%-1330.5pp |
| Employer contribution / active EE | $2,668 | $3,813-30.0% | $4,936-45.9% | $2,625+1.7% |
| Participant deferral / active EE | $5,942 | $7,302-18.6% | $8,071-26.4% | $4,348+36.6% |
| Admin fee / account holder | $2,398 | $1,750+37.1% | $13,005-81.6% | $1,944+23.4% |