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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 | $68,616 | $118,695-42.2% | $98,916-30.6% | $158,950-56.8% |
| Participation rate | 66.7% | 77.8%-11.2pp | 76.0%-9.4pp | 82.0%-15.3pp |
| Annual return | 20.76% | 372.39%-351.6pp | 196.45%-175.7pp | 302.91%-282.2pp |
| Employer contribution / active EE | $3,327 | $3,333-0.2% | $2,689+23.7% | $4,762-30.1% |
| Participant deferral / active EE | $2,555 | $5,088-49.8% | $4,245-39.8% | $5,983-57.3% |
| Admin fee / account holder | $775 | $10,132-92.4% | $6,642-88.3% | $11,248-93.1% |