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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 | $116,833 | $112,131+4.2% | $95,964+21.7% | $158,982-26.5% |
| Participation rate | 64.3% | 79.0%-14.7pp | 77.1%-12.8pp | 82.0%-17.7pp |
| Annual return | 19.32% | 171.19%-151.9pp | 91.64%-72.3pp | 302.99%-283.7pp |
| Employer contribution / active EE | $2,404 | $3,199-24.9% | $2,541-5.4% | $4,763-49.5% |
| Participant deferral / active EE | $3,911 | $4,784-18.2% | $4,167-6.1% | $5,983-34.6% |
| Admin fee / account holder | $6,423 | $10,136-36.6% | $6,797-5.5% | $11,252-42.9% |