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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 | $68,812 | $114,119-39.7% | $107,187-35.8% | $138,895-50.5% |
| Participation rate | 69.2% | 78.1%-8.8pp | 75.0%-5.8pp | 79.9%-10.7pp |
| Annual return | 14.38% | 273.21%-258.8pp | 204.55%-190.2pp | 145.39%-131.0pp |
| Employer contribution / active EE | $7,858 | $4,059+93.6% | $3,782+107.8% | $4,194+87.4% |
| Participant deferral / active EE | $2,645 | $5,538-52.2% | $5,096-48.1% | $6,396-58.6% |
| Admin fee / account holder | $2,116 | $10,024-78.9% | $9,162-76.9% | $12,562-83.2% |