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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 | $82,131 | $202,440-59.4% | $169,390-51.5% | $139,466-41.1% |
| Participation rate | 69.2% | 81.1%-11.9pp | 77.2%-7.9pp | 80.3%-11.1pp |
| Annual return | 17.10% | 532.36%-515.3pp | 406.07%-389.0pp | 373.66%-356.6pp |
| Employer contribution / active EE | $2,485 | $4,693-47.1% | $4,013-38.1% | $4,754-47.7% |
| Participant deferral / active EE | $5,418 | $6,940-21.9% | $6,222-12.9% | $6,712-19.3% |
| Admin fee / account holder | $2,339 | $10,722-78.2% | $9,015-74.1% | $11,409-79.5% |