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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 | $63,238 | $63,346-0.2% | $92,240-31.4% | $70,126-9.8% |
| Participation rate | 54.7% | 68.7%-14.0pp | 76.5%-21.8pp | 69.5%-14.9pp |
| Annual return | 14.09% | 530.19%-516.1pp | 176.29%-162.2pp | 73.15%-59.1pp |
| Employer contribution / active EE | $2,103 | $2,471-14.9% | $3,680-42.8% | $2,343-10.2% |
| Participant deferral / active EE | $5,012 | $2,854+75.6% | $3,897+28.6% | $3,332+50.4% |
| Admin fee / account holder | $5,516 | $3,841+43.6% | $5,194+6.2% | $4,645+18.7% |