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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 | $72,655 | $183,539-60.4% | $155,556-53.3% | $145,897-50.2% |
| Participation rate | 53.8% | 82.7%-28.9pp | 78.2%-24.4pp | 80.3%-26.5pp |
| Annual return | 10.96% | 61.31%-50.4pp | 64.84%-53.9pp | 552.29%-541.3pp |
| Employer contribution / active EE | $2,299 | $5,315-56.8% | $4,675-50.8% | $4,663-50.7% |
| Participant deferral / active EE | $6,976 | $6,467+7.9% | $5,631+23.9% | $6,689+4.3% |
| Admin fee / account holder | $1,716 | $19,275-91.1% | $15,885-89.2% | $13,390-87.2% |