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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 | $122,706 | $175,257-30.0% | $149,717-18.0% | $139,456-12.0% |
| Participation rate | 55.6% | 83.4%-27.8pp | 78.8%-23.2pp | 80.3%-24.8pp |
| Annual return | 19.02% | 166.70%-147.7pp | 134.41%-115.4pp | 373.45%-354.4pp |
| Employer contribution / active EE | $4,555 | $5,477-16.8% | $4,820-5.5% | $4,753-4.2% |
| Participant deferral / active EE | $8,007 | $6,521+22.8% | $5,682+40.9% | $6,711+19.3% |
| Admin fee / account holder | $1,266 | $16,156-92.2% | $13,213-90.4% | $11,407-88.9% |