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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 | $99,144 | $148,623-33.3% | $135,974-27.1% | $139,466-28.9% |
| Participation rate | 36.4% | 83.9%-47.5pp | 81.9%-45.6pp | 80.3%-44.0pp |
| Annual return | 15.78% | 79.30%-63.5pp | 68.30%-52.5pp | 373.66%-357.9pp |
| Employer contribution / active EE | $2,690 | $5,246-48.7% | $4,859-44.6% | $4,754-43.4% |
| Participant deferral / active EE | $7,461 | $8,103-7.9% | $7,760-3.8% | $6,712+11.2% |
| Admin fee / account holder | $370 | $12,406-97.0% | $10,767-96.6% | $11,409-96.8% |