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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 | $95,707 | $175,259-45.4% | $149,723-36.1% | $139,487-31.4% |
| Participation rate | 60.0% | 83.4%-23.4pp | 78.8%-18.8pp | 80.3%-20.3pp |
| Annual return | 18.12% | 166.82%-148.7pp | 134.50%-116.4pp | 373.84%-355.7pp |
| Employer contribution / active EE | $9,717 | $5,478+77.4% | $4,821+101.5% | $4,755+104.4% |
| Participant deferral / active EE | $4,500 | $6,522-31.0% | $5,682-20.8% | $6,713-33.0% |
| Admin fee / account holder | $2,576 | $16,158-84.1% | $13,215-80.5% | $11,407-77.4% |