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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 | $103,209 | $108,942-5.3% | $100,415+2.8% | $145,897-29.3% |
| Participation rate | 60.0% | 83.0%-23.0pp | 81.5%-21.5pp | 80.3%-20.3pp |
| Annual return | 13.55% | 58.27%-44.7pp | 49.47%-35.9pp | 552.29%-538.7pp |
| Employer contribution / active EE | $6,749 | $4,422+52.6% | $3,943+71.2% | $4,663+44.8% |
| Participant deferral / active EE | $7,630 | $8,461-9.8% | $8,091-5.7% | $6,689+14.1% |
| Admin fee / account holder | $566 | $9,702-94.2% | $7,906-92.8% | $13,390-95.8% |