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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 | $109,904-16.9% | $97,167-6.1% | $145,959-37.5% |
| Participation rate | 68.8% | 75.9%-7.2pp | 72.7%-3.9pp | 80.3%-11.5pp |
| Annual return | 15.35% | 243.43%-228.1pp | 75.27%-59.9pp | 561.95%-546.6pp |
| Employer contribution / active EE | $4,560 | $3,084+47.8% | $2,729+67.1% | $4,661-2.2% |
| Participant deferral / active EE | $6,262 | $4,676+33.9% | $4,264+46.9% | $6,689-6.4% |
| Admin fee / account holder | $1,927 | $6,216-69.0% | $5,650-65.9% | $13,398-85.6% |