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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 | $61,798 | $198,462-68.9% | $170,439-63.7% | $147,585-58.1% |
| Participation rate | 60.0% | 88.0%-28.0pp | 83.6%-23.6pp | 82.8%-22.8pp |
| Annual return | 22.90% | 257.30%-234.4pp | 205.94%-183.0pp | 578.58%-555.7pp |
| Employer contribution / active EE | $8,151 | $6,184+31.8% | $5,433+50.0% | $4,876+67.1% |
| Participant deferral / active EE | $4,138 | $5,629-26.5% | $4,939-16.2% | $5,439-23.9% |
| Admin fee / account holder | $3,961 | $16,852-76.5% | $13,881-71.5% | $10,886-63.6% |