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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 | $118,065 | $166,268-29.0% | $165,100-28.5% | $145,897-19.1% |
| Participation rate | 58.8% | 82.0%-23.2pp | 78.6%-19.8pp | 80.3%-21.5pp |
| Annual return | 13.97% | 100.52%-86.5pp | 70.21%-56.2pp | 552.29%-538.3pp |
| Employer contribution / active EE | $2,417 | $5,284-54.3% | $4,348-44.4% | $4,663-48.2% |
| Participant deferral / active EE | $5,536 | $6,964-20.5% | $6,035-8.3% | $6,689-17.2% |
| Admin fee / account holder | $5,027 | $16,659-69.8% | $12,696-60.4% | $13,390-62.5% |