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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 | $129,002 | $183,592-29.7% | $155,567-17.1% | $145,959-11.6% |
| Participation rate | 57.1% | 82.7%-25.5pp | 78.2%-21.1pp | 80.3%-23.1pp |
| Annual return | 10.01% | 61.24%-51.2pp | 64.74%-54.7pp | 561.95%-551.9pp |
| Employer contribution / active EE | $3,624 | $5,315-31.8% | $4,674-22.5% | $4,661-22.3% |
| Participant deferral / active EE | $5,746 | $6,464-11.1% | $5,628+2.1% | $6,689-14.1% |
| Admin fee / account holder | $1,306 | $19,318-93.2% | $15,916-91.8% | $13,398-90.3% |