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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 | $118,348 | $134,817-12.2% | $123,973-4.5% | $155,188-23.7% |
| Participation rate | 66.7% | 79.4%-12.7pp | 76.7%-10.0pp | 80.8%-14.1pp |
| Annual return | 14.48% | 515.49%-501.0pp | 388.13%-373.6pp | 148.84%-134.4pp |
| Employer contribution / active EE | $1,941 | $4,425-56.1% | $4,126-52.9% | $4,248-54.3% |
| Participant deferral / active EE | $4,997 | $5,706-12.4% | $5,247-4.8% | $6,531-23.5% |
| Admin fee / account holder | $21,931 | $13,245+65.6% | $11,799+85.9% | $14,480+51.5% |