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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 | $60,371 | $103,008-41.4% | $90,304-33.1% | $152,897-60.5% |
| Participation rate | 55.0% | 75.9%-20.9pp | 73.3%-18.3pp | 82.5%-27.5pp |
| Annual return | 28.41% | 95.22%-66.8pp | 78.13%-49.7pp | 345.43%-317.0pp |
| Employer contribution / active EE | $2,498 | $3,139-20.4% | $2,855-12.5% | $4,764-47.6% |
| Participant deferral / active EE | $5,295 | $4,281+23.7% | $3,885+36.3% | $5,851-9.5% |
| Admin fee / account holder | $19,088 | $6,175+209.1% | $5,354+256.5% | $11,599+64.6% |