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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 | $60,088 | $111,878-46.3% | $93,727-35.9% | $145,897-58.8% |
| Participation rate | 66.7% | 74.2%-7.5pp | 68.7%-2.0pp | 80.3%-13.6pp |
| Annual return | 15.62% | 204.28%-188.7pp | 133.83%-118.2pp | 552.29%-536.7pp |
| Employer contribution / active EE | $2,882 | $3,092-6.8% | $2,421+19.0% | $4,663-38.2% |
| Participant deferral / active EE | $9,762 | $4,920+98.4% | $4,417+121.0% | $6,689+45.9% |
| Admin fee / account holder | $10,232 | $10,256-0.2% | $8,292+23.4% | $13,390-23.6% |