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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 | $28,819 | $115,796-75.1% | $101,264-71.5% | $158,950-81.9% |
| Participation rate | 68.4% | 79.4%-10.9pp | 75.8%-7.4pp | 82.0%-13.5pp |
| Annual return | 10.68% | 56.15%-45.5pp | 46.48%-35.8pp | 302.91%-292.2pp |
| Employer contribution / active EE | $3,981 | $4,175-4.7% | $3,660+8.8% | $4,762-16.4% |
| Participant deferral / active EE | $4,352 | $4,958-12.2% | $4,370-0.4% | $5,983-27.3% |
| Admin fee / account holder | $1,958 | $7,247-73.0% | $5,947-67.1% | $11,248-82.6% |