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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 | $66,685 | $111,785-40.3% | $93,669-28.8% | $145,877-54.3% |
| Participation rate | 60.0% | 74.2%-14.2pp | 68.7%-8.7pp | 80.3%-20.3pp |
| Annual return | 13.61% | 203.79%-190.2pp | 133.59%-120.0pp | 551.28%-537.7pp |
| Employer contribution / active EE | $2,168 | $3,096-30.0% | $2,424-10.6% | $4,663-53.5% |
| Participant deferral / active EE | $7,573 | $4,919+54.0% | $4,416+71.5% | $6,691+13.2% |
| Admin fee / account holder | $2,523 | $10,256-75.4% | $8,291-69.6% | $13,402-81.2% |