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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 | $24,615 | $183,592-86.6% | $155,574-84.2% | $145,877-83.1% |
| Participation rate | 50.0% | 82.7%-32.7pp | 78.2%-28.2pp | 80.3%-30.3pp |
| Annual return | 17.27% | 61.37%-44.1pp | 64.87%-47.6pp | 551.28%-534.0pp |
| Employer contribution / active EE | $2,103 | $5,317-60.5% | $4,676-55.0% | $4,663-54.9% |
| Participant deferral / active EE | $5,477 | $6,466-15.3% | $5,629-2.7% | $6,691-18.1% |
| Admin fee / account holder | $13,786 | $19,316-28.6% | $15,914-13.4% | $13,402+2.9% |