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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 | $67,957 | $105,145-35.4% | $94,664-28.2% | $139,466-51.3% |
| Participation rate | 62.5% | 82.4%-19.9pp | 80.8%-18.3pp | 80.3%-17.8pp |
| Annual return | 17.38% | 38.09%-20.7pp | 156.84%-139.5pp | 373.66%-356.3pp |
| Employer contribution / active EE | $5,060 | $4,107+23.2% | $3,673+37.8% | $4,754+6.4% |
| Participant deferral / active EE | $2,954 | $7,599-61.1% | $7,417-60.2% | $6,712-56.0% |
| Admin fee / account holder | $5,813 | $8,972-35.2% | $7,222-19.5% | $11,409-49.1% |