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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 | $93,445 | $175,231-46.7% | $149,696-37.6% | $139,466-33.0% |
| Participation rate | 60.0% | 83.4%-23.4pp | 78.8%-18.8pp | 80.3%-20.3pp |
| Annual return | 13.79% | 166.77%-153.0pp | 134.46%-120.7pp | 373.66%-359.9pp |
| Employer contribution / active EE | $10,485 | $5,478+91.4% | $4,821+117.5% | $4,754+120.6% |
| Participant deferral / active EE | $6,191 | $6,521-5.1% | $5,682+9.0% | $6,712-7.8% |
| Admin fee / account holder | $1,530 | $16,155-90.5% | $13,212-88.4% | $11,409-86.6% |