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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 | $68,006 | $211,224-67.8% | $178,505-61.9% | $145,897-53.4% |
| Participation rate | 69.2% | 80.8%-11.6pp | 77.1%-7.9pp | 80.3%-11.1pp |
| Annual return | 10.50% | 30.28%-19.8pp | 27.16%-16.7pp | 552.29%-541.8pp |
| Employer contribution / active EE | $2,064 | $4,577-54.9% | $3,955-47.8% | $4,663-55.7% |
| Participant deferral / active EE | $7,370 | $6,966+5.8% | $6,280+17.3% | $6,689+10.2% |
| Admin fee / account holder | $2,694 | $12,109-77.8% | $10,428-74.2% | $13,390-79.9% |