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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 | $65,881 | $175,259-62.4% | $149,723-56.0% | $139,487-52.8% |
| Participation rate | 58.3% | 83.4%-25.1pp | 78.8%-20.4pp | 80.3%-22.0pp |
| Annual return | 19.41% | 166.82%-147.4pp | 134.50%-115.1pp | 373.84%-354.4pp |
| Employer contribution / active EE | $6,308 | $5,478+15.1% | $4,821+30.8% | $4,755+32.7% |
| Participant deferral / active EE | $3,239 | $6,522-50.3% | $5,682-43.0% | $6,713-51.8% |
| Admin fee / account holder | $675 | $16,158-95.8% | $13,215-94.9% | $11,407-94.1% |