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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 | $116,559 | $111,785+4.3% | $93,669+24.4% | $145,877-20.1% |
| Participation rate | 62.5% | 74.2%-11.7pp | 68.7%-6.2pp | 80.3%-17.8pp |
| Annual return | 8.52% | 203.79%-195.3pp | 133.59%-125.1pp | 551.28%-542.8pp |
| Employer contribution / active EE | $1,695 | $3,096-45.3% | $2,424-30.1% | $4,663-63.7% |
| Participant deferral / active EE | $2,964 | $4,919-39.7% | $4,416-32.9% | $6,691-55.7% |
| Admin fee / account holder | $1,324 | $10,256-87.1% | $8,291-84.0% | $13,402-90.1% |