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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 | $44,371 | $63,346-30.0% | $92,240-51.9% | $70,126-36.7% |
| Participation rate | 67.9% | 68.7%-0.7pp | 76.5%-8.5pp | 69.5%-1.6pp |
| Annual return | 17.50% | 530.19%-512.7pp | 176.29%-158.8pp | 73.15%-55.7pp |
| Employer contribution / active EE | $3,961 | $2,471+60.3% | $3,680+7.6% | $2,343+69.1% |
| Participant deferral / active EE | $3,130 | $2,854+9.7% | $3,897-19.7% | $3,332-6.1% |
| Admin fee / account holder | $559 | $3,841-85.5% | $5,194-89.2% | $4,645-88.0% |