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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 | $55,953 | $209,422-73.3% | $178,503-68.7% | $158,982-64.8% |
| Participation rate | 66.7% | 86.4%-19.7pp | 81.9%-15.3pp | 82.0%-15.3pp |
| Annual return | 20.28% | 188.81%-168.5pp | 151.12%-130.8pp | 302.99%-282.7pp |
| Employer contribution / active EE | $5,378 | $5,707-5.8% | $5,011+7.3% | $4,763+12.9% |
| Participant deferral / active EE | $5,357 | $5,955-10.0% | $5,202+3.0% | $5,983-10.5% |
| Admin fee / account holder | $333 | $17,079-98.0% | $13,987-97.6% | $11,252-97.0% |