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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 | $76,995 | $183,539-58.0% | $155,556-50.5% | $145,897-47.2% |
| Participation rate | 69.2% | 82.7%-13.5pp | 78.2%-9.0pp | 80.3%-11.1pp |
| Annual return | 11.21% | 61.31%-50.1pp | 64.84%-53.6pp | 552.29%-541.1pp |
| Employer contribution / active EE | $2,044 | $5,315-61.5% | $4,675-56.3% | $4,663-56.2% |
| Participant deferral / active EE | $6,979 | $6,467+7.9% | $5,631+23.9% | $6,689+4.3% |
| Admin fee / account holder | $603 | $19,275-96.9% | $15,885-96.2% | $13,390-95.5% |