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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 | $93,095 | $183,539-49.3% | $155,556-40.2% | $145,897-36.2% |
| Participation rate | 60.9% | 82.7%-21.8pp | 78.2%-17.4pp | 80.3%-19.4pp |
| Annual return | 17.08% | 61.31%-44.2pp | 64.84%-47.8pp | 552.29%-535.2pp |
| Employer contribution / active EE | $1,622 | $5,315-69.5% | $4,675-65.3% | $4,663-65.2% |
| Participant deferral / active EE | $7,526 | $6,467+16.4% | $5,631+33.7% | $6,689+12.5% |
| Admin fee / account holder | $795 | $19,275-95.9% | $15,885-95.0% | $13,390-94.1% |