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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 | $33,511 | $99,079-66.2% | $78,002-57.0% | $273,972-87.8% |
| Participation rate | 28.6% | 78.6%-50.0pp | 75.5%-47.0pp | 83.0%-54.4pp |
| Annual return | 7.96% | 217.93%-210.0pp | 425.99%-418.0pp | 41.46%-33.5pp |
| Employer contribution / active EE | $2,025 | $3,308-38.8% | $2,470-18.0% | $4,869-58.4% |
| Participant deferral / active EE | $4,370 | $4,306+1.5% | $3,497+25.0% | $5,287-17.3% |
| Admin fee / account holder | $3,918 | $8,954-56.2% | $5,481-28.5% | $10,133-61.3% |