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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 | $77,497 | $118,877-34.8% | $96,570-19.7% | $167,536-53.7% |
| Participation rate | 44.4% | 75.5%-31.0pp | 69.8%-25.4pp | 82.1%-37.7pp |
| Annual return | 12.84% | 50.50%-37.7pp | 37.79%-24.9pp | 478.82%-466.0pp |
| Employer contribution / active EE | $5,484 | $3,121+75.7% | $2,357+132.6% | $4,839+13.3% |
| Participant deferral / active EE | $4,758 | $4,617+3.1% | $3,849+23.6% | $6,342-25.0% |
| Admin fee / account holder | $8,266 | $8,069+2.4% | $6,182+33.7% | $12,315-32.9% |