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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 | $97,062 | $196,972-50.7% | $182,262-46.7% | $198,609-51.1% |
| Participation rate | 60.0% | 85.7%-25.7pp | 84.2%-24.2pp | 82.4%-22.4pp |
| Annual return | 23.99% | 158.27%-134.3pp | 140.60%-116.6pp | 202.70%-178.7pp |
| Employer contribution / active EE | $4,386 | $5,364-18.2% | $5,046-13.1% | $5,055-13.2% |
| Participant deferral / active EE | $9,098 | $8,643+5.3% | $8,276+9.9% | $6,977+30.4% |
| Admin fee / account holder | $975 | $18,429-94.7% | $16,712-94.2% | $19,030-94.9% |