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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 | $99,569 | $202,460-50.8% | $169,385-41.2% | $139,456-28.6% |
| Participation rate | 50.0% | 81.1%-31.1pp | 77.2%-27.2pp | 80.3%-30.3pp |
| Annual return | 14.98% | 532.07%-517.1pp | 405.82%-390.8pp | 373.45%-358.5pp |
| Employer contribution / active EE | $1,427 | $4,691-69.6% | $4,012-64.4% | $4,753-70.0% |
| Participant deferral / active EE | $6,788 | $6,938-2.2% | $6,221+9.1% | $6,711+1.1% |
| Admin fee / account holder | $6,526 | $10,719-39.1% | $9,011-27.6% | $11,407-42.8% |