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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 | $105,927 | $165,399-36.0% | $149,745-29.3% | $158,982-33.4% |
| Participation rate | 66.7% | 84.6%-17.9pp | 82.5%-15.8pp | 82.0%-15.3pp |
| Annual return | 8.90% | 348.34%-339.4pp | 276.72%-267.8pp | 302.99%-294.1pp |
| Employer contribution / active EE | $13,652 | $5,105+167.4% | $4,646+193.9% | $4,763+186.6% |
| Participant deferral / active EE | $9,766 | $7,183+36.0% | $6,843+42.7% | $5,983+63.2% |
| Admin fee / account holder | $2,300 | $10,811-78.7% | $9,312-75.3% | $11,252-79.6% |