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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 | $69,374 | $209,425-66.9% | $178,499-61.1% | $158,966-56.4% |
| Participation rate | 53.8% | 86.4%-32.5pp | 81.9%-28.1pp | 82.0%-28.1pp |
| Annual return | 20.04% | 188.80%-168.8pp | 151.10%-131.1pp | 302.95%-282.9pp |
| Employer contribution / active EE | $1,847 | $5,707-67.6% | $5,011-63.2% | $4,762-61.2% |
| Participant deferral / active EE | $5,550 | $5,955-6.8% | $5,202+6.7% | $5,983-7.2% |
| Admin fee / account holder | $3,976 | $17,078-76.7% | $13,986-71.6% | $11,250-64.7% |