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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 | $82,977 | $183,592-54.8% | $155,574-46.7% | $145,877-43.1% |
| Participation rate | 65.0% | 82.7%-17.7pp | 78.2%-13.2pp | 80.3%-15.3pp |
| Annual return | 14.78% | 61.37%-46.6pp | 64.87%-50.1pp | 551.28%-536.5pp |
| Employer contribution / active EE | $2,534 | $5,317-52.3% | $4,676-45.8% | $4,663-45.7% |
| Participant deferral / active EE | $5,377 | $6,466-16.8% | $5,629-4.5% | $6,691-19.6% |
| Admin fee / account holder | $1,666 | $19,316-91.4% | $15,914-89.5% | $13,402-87.6% |