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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 | $97,162 | $72,071+34.8% | $68,368+42.1% | $137,256-29.2% |
| Participation rate | 68.2% | 76.2%-8.1pp | 73.8%-5.6pp | 80.0%-11.8pp |
| Annual return | 16.40% | 353.14%-336.7pp | 292.57%-276.2pp | 220.34%-203.9pp |
| Employer contribution / active EE | $2,963 | $2,788+6.3% | $2,649+11.8% | $4,156-28.7% |
| Participant deferral / active EE | $6,351 | $4,410+44.0% | $4,123+54.1% | $6,407-0.9% |
| Admin fee / account holder | $2,480 | $5,336-53.5% | $5,150-51.8% | $12,270-79.8% |