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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 | $84,351 | $183,539-54.0% | $155,556-45.8% | $145,897-42.2% |
| Participation rate | 57.1% | 82.7%-25.6pp | 78.2%-21.1pp | 80.3%-23.2pp |
| Annual return | 12.89% | 61.31%-48.4pp | 64.84%-51.9pp | 552.29%-539.4pp |
| Employer contribution / active EE | $2,830 | $5,315-46.8% | $4,675-39.5% | $4,663-39.3% |
| Participant deferral / active EE | $9,476 | $6,467+46.5% | $5,631+68.3% | $6,689+41.7% |
| Admin fee / account holder | $674 | $19,275-96.5% | $15,885-95.8% | $13,390-95.0% |