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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 | $117,716 | $175,259-32.8% | $149,723-21.4% | $139,487-15.6% |
| Participation rate | 66.7% | 83.4%-16.7pp | 78.8%-12.1pp | 80.3%-13.7pp |
| Annual return | 17.18% | 166.82%-149.6pp | 134.50%-117.3pp | 373.84%-356.7pp |
| Employer contribution / active EE | $6,478 | $5,478+18.2% | $4,821+34.4% | $4,755+36.2% |
| Participant deferral / active EE | $8,025 | $6,522+23.1% | $5,682+41.2% | $6,713+19.6% |
| Admin fee / account holder | $704 | $16,158-95.6% | $13,215-94.7% | $11,407-93.8% |