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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 | $86,047 | $109,967-21.8% | $97,197-11.5% | $145,877-41.0% |
| Participation rate | 69.6% | 76.0%-6.4pp | 72.7%-3.1pp | 80.3%-10.7pp |
| Annual return | 15.90% | 244.27%-228.4pp | 75.47%-59.6pp | 551.28%-535.4pp |
| Employer contribution / active EE | $1,357 | $3,077-55.9% | $2,723-50.2% | $4,663-70.9% |
| Participant deferral / active EE | $5,813 | $4,676+24.3% | $4,263+36.3% | $6,691-13.1% |
| Admin fee / account holder | $10,779 | $6,199+73.9% | $5,637+91.2% | $13,402-19.6% |