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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 | $65,957 | $69,248-4.8% | $64,101+2.9% | $139,466-52.7% |
| Participation rate | 50.0% | 75.6%-25.6pp | 72.3%-22.3pp | 80.3%-30.3pp |
| Annual return | 11.79% | 45.95%-34.2pp | 33.72%-21.9pp | 373.66%-361.9pp |
| Employer contribution / active EE | $5,650 | $3,185+77.4% | $2,749+105.5% | $4,754+18.8% |
| Participant deferral / active EE | $5,855 | $4,682+25.0% | $3,881+50.9% | $6,712-12.8% |
| Admin fee / account holder | $4,034 | $4,247-5.0% | $3,070+31.4% | $11,409-64.6% |