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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 | $97,325 | $44,850+117.0% | $60,547+60.7% | $59,633+63.2% |
| Participation rate | 64.2% | 59.5%+4.7pp | 68.0%-3.8pp | 68.7%-4.5pp |
| Annual return | 4.60% | 1074.14%-1069.5pp | 335.64%-331.0pp | 2041.45%-2036.9pp |
| Employer contribution / active EE | $1,387 | $1,462-5.1% | $2,419-42.7% | $2,203-37.0% |
| Participant deferral / active EE | $4,052 | $2,230+81.7% | $3,328+21.8% | $3,192+27.0% |
| Admin fee / account holder | $6,009 | $3,635+65.3% | $4,536+32.5% | $4,297+39.8% |