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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 | $98,777 | $289,211-65.8% | $260,467-62.1% | $198,609-50.3% |
| Participation rate | 55.6% | 83.1%-27.5pp | 80.5%-24.9pp | 82.4%-26.8pp |
| Annual return | 17.94% | 112.90%-95.0pp | 100.60%-82.7pp | 202.70%-184.8pp |
| Employer contribution / active EE | $1,019 | $4,663-78.1% | $4,239-75.9% | $5,055-79.8% |
| Participant deferral / active EE | $5,594 | $6,812-17.9% | $6,319-11.5% | $6,977-19.8% |
| Admin fee / account holder | $1,746 | $16,236-89.2% | $15,461-88.7% | $19,030-90.8% |