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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 | $92,569 | $115,814-20.1% | $101,275-8.6% | $158,982-41.8% |
| Participation rate | 62.5% | 79.4%-16.9pp | 75.8%-13.3pp | 82.0%-19.5pp |
| Annual return | 26.71% | 56.16%-29.4pp | 46.48%-19.8pp | 302.99%-276.3pp |
| Employer contribution / active EE | $2,159 | $4,176-48.3% | $3,660-41.0% | $4,763-54.7% |
| Participant deferral / active EE | $3,826 | $4,958-22.8% | $4,371-12.5% | $5,983-36.1% |
| Admin fee / account holder | $1,005 | $7,249-86.1% | $5,948-83.1% | $11,252-91.1% |