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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 | $83,551 | $112,933-26.0% | $90,970-8.2% | $158,982-47.4% |
| Participation rate | 60.0% | 74.7%-14.7pp | 69.0%-9.0pp | 82.0%-22.0pp |
| Annual return | 9.51% | 215.82%-206.3pp | 134.60%-125.1pp | 302.99%-293.5pp |
| Employer contribution / active EE | $1,476 | $2,893-49.0% | $2,122-30.5% | $4,763-69.0% |
| Participant deferral / active EE | $4,338 | $4,128+5.1% | $3,373+28.6% | $5,983-27.5% |
| Admin fee / account holder | $1,876 | $8,047-76.7% | $5,961-68.5% | $11,252-83.3% |