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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 | $57,694 | $100,139-42.4% | $85,187-32.3% | $145,884-60.5% |
| Participation rate | 57.1% | 74.1%-17.0pp | 67.5%-10.4pp | 80.3%-23.2pp |
| Annual return | 11.40% | 84.15%-72.8pp | 66.67%-55.3pp | 551.85%-540.4pp |
| Employer contribution / active EE | $1,494 | $3,238-53.9% | $2,732-45.3% | $4,662-68.0% |
| Participant deferral / active EE | $8,830 | $5,296+66.7% | $4,525+95.1% | $6,690+32.0% |
| Admin fee / account holder | $22,774 | $7,262+213.6% | $6,162+269.6% | $13,392+70.1% |