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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 | $53,866 | $175,259-69.3% | $149,723-64.0% | $139,487-61.4% |
| Participation rate | 33.3% | 83.4%-50.1pp | 78.8%-45.4pp | 80.3%-47.0pp |
| Annual return | 15.59% | 166.82%-151.2pp | 134.50%-118.9pp | 373.84%-358.3pp |
| Employer contribution / active EE | $2,397 | $5,478-56.2% | $4,821-50.3% | $4,755-49.6% |
| Participant deferral / active EE | $10,333 | $6,522+58.4% | $5,682+81.8% | $6,713+53.9% |
| Admin fee / account holder | $2,216 | $16,158-86.3% | $13,215-83.2% | $11,407-80.6% |