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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 | $96,718 | $107,363-9.9% | $92,909+4.1% | $152,897-36.7% |
| Participation rate | 66.7% | 79.8%-13.1pp | 76.0%-9.3pp | 82.5%-15.8pp |
| Annual return | 17.69% | 145.63%-127.9pp | 109.44%-91.7pp | 345.43%-327.7pp |
| Employer contribution / active EE | $2,050 | $4,222-51.4% | $3,653-43.9% | $4,764-57.0% |
| Participant deferral / active EE | $4,425 | $4,848-8.7% | $4,238+4.4% | $5,851-24.4% |
| Admin fee / account holder | $6,992 | $7,082-1.3% | $5,795+20.7% | $11,599-39.7% |