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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 | $53,809 | $70,684-23.9% | $169,390-68.2% | $75,173-28.4% |
| Participation rate | 68.0% | 64.8%+3.2pp | 77.2%-9.2pp | 67.2%+0.8pp |
| Annual return | 36.22% | 36.38%-0.2pp | 406.07%-369.8pp | 160.72%-124.5pp |
| Employer contribution / active EE | $2,581 | $2,211+16.8% | $4,013-35.7% | $2,671-3.3% |
| Participant deferral / active EE | $7,111 | $4,310+65.0% | $6,222+14.3% | $4,126+72.3% |
| Admin fee / account holder | $5,315 | $5,404-1.6% | $9,015-41.0% | $5,651-5.9% |