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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 | $101,081 | $180,749-44.1% | $160,784-37.1% | $137,256-26.4% |
| Participation rate | 66.7% | 80.0%-13.3pp | 77.0%-10.3pp | 80.0%-13.3pp |
| Annual return | 18.56% | 2234.46%-2215.9pp | 1803.92%-1785.4pp | 220.34%-201.8pp |
| Employer contribution / active EE | $3,812 | $4,155-8.3% | $3,733+2.1% | $4,156-8.3% |
| Participant deferral / active EE | $5,422 | $6,844-20.8% | $6,293-13.8% | $6,407-15.4% |
| Admin fee / account holder | $434 | $10,397-95.8% | $9,717-95.5% | $12,270-96.5% |