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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 | $85,306 | $171,492-50.3% | $150,734-43.4% | $198,609-57.0% |
| Participation rate | 66.7% | 81.4%-14.7pp | 78.4%-11.8pp | 82.4%-15.7pp |
| Annual return | 22.08% | 804.70%-782.6pp | 600.81%-578.7pp | 202.70%-180.6pp |
| Employer contribution / active EE | $2,867 | $5,470-47.6% | $4,918-41.7% | $5,055-43.3% |
| Participant deferral / active EE | $10,319 | $6,259+64.9% | $5,610+84.0% | $6,977+47.9% |
| Admin fee / account holder | $954 | $17,628-94.6% | $14,905-93.6% | $19,030-95.0% |