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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 | $65,722 | $217,432-69.8% | $185,849-64.6% | $167,536-60.8% |
| Participation rate | 66.7% | 86.1%-19.4pp | 81.7%-15.0pp | 82.1%-15.4pp |
| Annual return | 14.92% | 148.42%-133.5pp | 122.10%-107.2pp | 478.82%-463.9pp |
| Employer contribution / active EE | $3,296 | $5,875-43.9% | $5,169-36.2% | $4,839-31.9% |
| Participant deferral / active EE | $15,011 | $6,357+136.1% | $5,569+169.5% | $6,342+136.7% |
| Admin fee / account holder | $12,101 | $19,818-38.9% | $16,244-25.5% | $12,315-1.7% |