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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 | $112,695 | $202,440-44.3% | $169,390-33.5% | $139,466-19.2% |
| Participation rate | 66.7% | 81.1%-14.4pp | 77.2%-10.5pp | 80.3%-13.7pp |
| Annual return | 20.57% | 532.36%-511.8pp | 406.07%-385.5pp | 373.66%-353.1pp |
| Employer contribution / active EE | $2,580 | $4,693-45.0% | $4,013-35.7% | $4,754-45.7% |
| Participant deferral / active EE | $4,549 | $6,940-34.5% | $6,222-26.9% | $6,712-32.2% |
| Admin fee / account holder | $331 | $10,722-96.9% | $9,015-96.3% | $11,409-97.1% |