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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 | $35,142 | $115,810-69.7% | $101,271-65.3% | $158,966-77.9% |
| Participation rate | 63.6% | 79.4%-15.7pp | 75.8%-12.2pp | 82.0%-18.3pp |
| Annual return | 14.89% | 56.15%-41.3pp | 46.48%-31.6pp | 302.95%-288.1pp |
| Employer contribution / active EE | $1,995 | $4,175-52.2% | $3,660-45.5% | $4,762-58.1% |
| Participant deferral / active EE | $3,573 | $4,958-27.9% | $4,371-18.3% | $5,983-40.3% |
| Admin fee / account holder | $1,081 | $7,248-85.1% | $5,948-81.8% | $11,250-90.4% |