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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 | $61,318 | $198,457-69.1% | $170,435-64.0% | $147,586-58.5% |
| Participation rate | 66.7% | 88.0%-21.3pp | 83.6%-16.9pp | 82.8%-16.2pp |
| Annual return | 9.25% | 257.30%-248.1pp | 205.94%-196.7pp | 578.59%-569.3pp |
| Employer contribution / active EE | $1,686 | $6,183-72.7% | $5,432-69.0% | $4,876-65.4% |
| Participant deferral / active EE | $4,833 | $5,629-14.2% | $4,939-2.2% | $5,439-11.1% |
| Admin fee / account holder | $4,865 | $16,852-71.1% | $13,881-65.0% | $10,886-55.3% |