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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 | $99,806 | $115,810-13.8% | $101,271-1.4% | $158,966-37.2% |
| Participation rate | 57.1% | 79.4%-22.2pp | 75.8%-18.7pp | 82.0%-24.8pp |
| Annual return | 41.70% | 56.15%-14.5pp | 46.48%-4.8pp | 302.95%-261.2pp |
| Employer contribution / active EE | $3,188 | $4,175-23.6% | $3,660-12.9% | $4,762-33.1% |
| Participant deferral / active EE | $6,752 | $4,958+36.2% | $4,371+54.5% | $5,983+12.9% |
| Admin fee / account holder | $3,608 | $7,248-50.2% | $5,948-39.3% | $11,250-67.9% |