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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 | $31,947 | $108,942-70.7% | $100,415-68.2% | $145,897-78.1% |
| Participation rate | 57.1% | 83.0%-25.8pp | 81.5%-24.4pp | 80.3%-23.2pp |
| Annual return | 23.50% | 58.27%-34.8pp | 49.47%-26.0pp | 552.29%-528.8pp |
| Employer contribution / active EE | $2,826 | $4,422-36.1% | $3,943-28.3% | $4,663-39.4% |
| Participant deferral / active EE | $5,212 | $8,461-38.4% | $8,091-35.6% | $6,689-22.1% |
| Admin fee / account holder | $709 | $9,702-92.7% | $7,906-91.0% | $13,390-94.7% |