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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 | $43,373 | $100,073-56.7% | $85,126-49.0% | $145,877-70.3% |
| Participation rate | 50.0% | 74.1%-24.1pp | 67.5%-17.5pp | 80.3%-30.3pp |
| Annual return | 10.87% | 84.11%-73.2pp | 66.63%-55.8pp | 551.28%-540.4pp |
| Employer contribution / active EE | $1,461 | $3,236-54.9% | $2,731-46.5% | $4,663-68.7% |
| Participant deferral / active EE | $2,113 | $5,294-60.1% | $4,523-53.3% | $6,691-68.4% |
| Admin fee / account holder | $8,131 | $7,261+12.0% | $6,160+32.0% | $13,402-39.3% |