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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 | $85,357 | $134,817-36.7% | $123,973-31.1% | $155,188-45.0% |
| Participation rate | 66.7% | 79.4%-12.7pp | 76.7%-10.0pp | 80.8%-14.1pp |
| Annual return | 20.00% | 515.49%-495.5pp | 388.13%-368.1pp | 148.84%-128.8pp |
| Employer contribution / active EE | $1,397 | $4,425-68.4% | $4,126-66.1% | $4,248-67.1% |
| Participant deferral / active EE | $5,000 | $5,706-12.4% | $5,247-4.7% | $6,531-23.4% |
| Admin fee / account holder | $13,785 | $13,245+4.1% | $11,799+16.8% | $14,480-4.8% |