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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 | $68,154 | $160,040-57.4% | $147,096-53.7% | $145,877-53.3% |
| Participation rate | 63.2% | 84.0%-20.9pp | 82.2%-19.0pp | 80.3%-17.1pp |
| Annual return | 14.15% | 98.49%-84.3pp | 419.75%-405.6pp | 551.28%-537.1pp |
| Employer contribution / active EE | $2,113 | $5,289-60.0% | $4,936-57.2% | $4,663-54.7% |
| Participant deferral / active EE | $6,845 | $8,429-18.8% | $8,071-15.2% | $6,691+2.3% |
| Admin fee / account holder | $1,356 | $15,050-91.0% | $13,005-89.6% | $13,402-89.9% |