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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 | $109,904-21.7% | $97,167-11.4% | $145,959-41.0% |
| Participation rate | 69.6% | 75.9%-6.4pp | 72.7%-3.1pp | 80.3%-10.7pp |
| Annual return | 15.90% | 243.43%-227.5pp | 75.27%-59.4pp | 561.95%-546.0pp |
| Employer contribution / active EE | $1,357 | $3,084-56.0% | $2,729-50.3% | $4,661-70.9% |
| Participant deferral / active EE | $5,813 | $4,676+24.3% | $4,264+36.3% | $6,689-13.1% |
| Admin fee / account holder | $10,779 | $6,216+73.4% | $5,650+90.8% | $13,398-19.5% |