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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 | $57,463 | $198,462-71.0% | $170,439-66.3% | $147,585-61.1% |
| Participation rate | 66.7% | 88.0%-21.3pp | 83.6%-16.9pp | 82.8%-16.2pp |
| Annual return | 13.66% | 257.30%-243.6pp | 205.94%-192.3pp | 578.58%-564.9pp |
| Employer contribution / active EE | $6,606 | $6,184+6.8% | $5,433+21.6% | $4,876+35.5% |
| Participant deferral / active EE | $3,000 | $5,629-46.7% | $4,939-39.3% | $5,439-44.8% |
| Admin fee / account holder | $381 | $16,852-97.7% | $13,881-97.3% | $10,886-96.5% |