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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 | $95,188 | $176,105-45.9% | $159,474-40.3% | $167,536-43.2% |
| Participation rate | 58.3% | 85.0%-26.6pp | 82.8%-24.5pp | 82.1%-23.8pp |
| Annual return | 16.58% | 331.91%-315.3pp | 263.68%-247.1pp | 478.82%-462.2pp |
| Employer contribution / active EE | $3,492 | $5,299-34.1% | $4,831-27.7% | $4,839-27.8% |
| Participant deferral / active EE | $5,478 | $7,751-29.3% | $7,353-25.5% | $6,342-13.6% |
| Admin fee / account holder | $12,212 | $12,559-2.8% | $10,802+13.0% | $12,315-0.8% |