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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 | $92,965 | $149,040-37.6% | $120,225-22.7% | $137,256-32.3% |
| Participation rate | 57.1% | 75.4%-18.3pp | 69.6%-12.4pp | 80.0%-22.8pp |
| Annual return | 15.88% | 605.68%-589.8pp | 439.23%-423.3pp | 220.34%-204.5pp |
| Employer contribution / active EE | $1,718 | $4,350-60.5% | $3,475-50.6% | $4,156-58.7% |
| Participant deferral / active EE | $6,699 | $4,655+43.9% | $3,999+67.5% | $6,407+4.6% |
| Admin fee / account holder | $3,716 | $6,348-41.5% | $5,696-34.8% | $12,270-69.7% |