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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 | $134,817-36.7% | $123,973-31.2% | $155,188-45.0% |
| Participation rate | 66.7% | 79.4%-12.7pp | 76.7%-10.0pp | 80.8%-14.1pp |
| Annual return | 22.08% | 515.49%-493.4pp | 388.13%-366.0pp | 148.84%-126.8pp |
| Employer contribution / active EE | $2,867 | $4,425-35.2% | $4,126-30.5% | $4,248-32.5% |
| Participant deferral / active EE | $10,319 | $5,706+80.8% | $5,247+96.7% | $6,531+58.0% |
| Admin fee / account holder | $954 | $13,245-92.8% | $11,799-91.9% | $14,480-93.4% |