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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 | $47,102 | $144,130-67.3% | $117,861-60.0% | $147,586-68.1% |
| Participation rate | 62.5% | 83.4%-20.9pp | 79.7%-17.2pp | 82.8%-20.3pp |
| Annual return | 19.42% | 531.20%-511.8pp | 335.11%-315.7pp | 578.59%-559.2pp |
| Employer contribution / active EE | $3,553 | $4,897-27.4% | $3,786-6.2% | $4,876-27.1% |
| Participant deferral / active EE | $5,630 | $5,316+5.9% | $4,482+25.6% | $5,439+3.5% |
| Admin fee / account holder | $462 | $10,887-95.8% | $8,021-94.2% | $10,886-95.8% |