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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 | $54,207 | $105,200-48.5% | $159,474-66.0% | $85,847-36.9% |
| Participation rate | 68.6% | 75.8%-7.2pp | 82.8%-14.3pp | 69.3%-0.7pp |
| Annual return | 14.49% | 45.08%-30.6pp | 263.68%-249.2pp | 318.61%-304.1pp |
| Employer contribution / active EE | $3,200 | $3,319-3.6% | $4,831-33.7% | $2,565+24.8% |
| Participant deferral / active EE | $9,125 | $5,946+53.5% | $7,353+24.1% | $3,952+130.9% |
| Admin fee / account holder | $6,798 | $6,934-2.0% | $10,802-37.1% | $6,261+8.6% |