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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 | $70,717 | $183,592-61.5% | $155,567-54.5% | $145,959-51.5% |
| Participation rate | 57.1% | 82.7%-25.5pp | 78.2%-21.1pp | 80.3%-23.1pp |
| Annual return | 12.32% | 61.24%-48.9pp | 64.74%-52.4pp | 561.95%-549.6pp |
| Employer contribution / active EE | $13,319 | $5,315+150.6% | $4,674+185.0% | $4,661+185.8% |
| Participant deferral / active EE | $3,510 | $6,464-45.7% | $5,628-37.6% | $6,689-47.5% |
| Admin fee / account holder | $387 | $19,318-98.0% | $15,916-97.6% | $13,398-97.1% |