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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 | $65,582 | $125,237-47.6% | $105,608-37.9% | $145,877-55.0% |
| Participation rate | 55.6% | 77.7%-22.1pp | 75.3%-19.7pp | 80.3%-24.7pp |
| Annual return | 13.64% | 225.76%-212.1pp | 116.50%-102.9pp | 551.28%-537.6pp |
| Employer contribution / active EE | $2,551 | $3,720-31.4% | $3,167-19.5% | $4,663-45.3% |
| Participant deferral / active EE | $7,481 | $5,711+31.0% | $5,010+49.3% | $6,691+11.8% |
| Admin fee / account holder | $12,203 | $17,287-29.4% | $11,028+10.6% | $13,402-9.0% |