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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 | $83,852 | $108,897-23.0% | $100,378-16.5% | $145,877-42.5% |
| Participation rate | 68.8% | 83.0%-14.2pp | 81.5%-12.8pp | 80.3%-11.6pp |
| Annual return | 10.24% | 58.17%-47.9pp | 49.41%-39.2pp | 551.28%-541.0pp |
| Employer contribution / active EE | $466 | $4,420-89.5% | $3,942-88.2% | $4,663-90.0% |
| Participant deferral / active EE | $9,319 | $8,455+10.2% | $8,087+15.2% | $6,691+39.3% |
| Admin fee / account holder | $5,853 | $9,690-39.6% | $7,899-25.9% | $13,402-56.3% |