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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 | $68,530 | $111,878-38.7% | $93,727-26.9% | $145,897-53.0% |
| Participation rate | 66.7% | 74.2%-7.5pp | 68.7%-2.0pp | 80.3%-13.6pp |
| Annual return | 21.45% | 204.28%-182.8pp | 133.83%-112.4pp | 552.29%-530.8pp |
| Employer contribution / active EE | $3,098 | $3,092+0.2% | $2,421+27.9% | $4,663-33.6% |
| Participant deferral / active EE | $8,839 | $4,920+79.6% | $4,417+100.1% | $6,689+32.1% |
| Admin fee / account holder | $4,235 | $10,256-58.7% | $8,292-48.9% | $13,390-68.4% |