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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 | $91,278 | $109,908-17.0% | $97,161-6.1% | $145,978-37.5% |
| Participation rate | 68.8% | 75.9%-7.2pp | 72.7%-3.9pp | 80.3%-11.5pp |
| Annual return | 15.35% | 243.80%-228.5pp | 75.36%-60.0pp | 550.52%-535.2pp |
| Employer contribution / active EE | $4,560 | $3,077+48.2% | $2,723+67.4% | $4,662-2.2% |
| Participant deferral / active EE | $6,262 | $4,679+33.8% | $4,265+46.8% | $6,690-6.4% |
| Admin fee / account holder | $1,927 | $6,213-69.0% | $5,647-65.9% | $13,400-85.6% |