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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 | $78,907 | $110,039-28.3% | $97,260-18.9% | $145,884-45.9% |
| Participation rate | 63.6% | 75.9%-12.3pp | 72.7%-9.0pp | 80.3%-16.7pp |
| Annual return | 21.43% | 244.44%-223.0pp | 75.54%-54.1pp | 551.85%-530.4pp |
| Employer contribution / active EE | $1,717 | $3,074-44.2% | $2,721-36.9% | $4,662-63.2% |
| Participant deferral / active EE | $6,998 | $4,674+49.7% | $4,262+64.2% | $6,690+4.6% |
| Admin fee / account holder | $1,106 | $6,204-82.2% | $5,640-80.4% | $13,392-91.7% |