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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 | $25,106 | $175,231-85.7% | $149,696-83.2% | $139,466-82.0% |
| Participation rate | 66.7% | 83.4%-16.7pp | 78.8%-12.1pp | 80.3%-13.7pp |
| Annual return | 18.71% | 166.77%-148.1pp | 134.46%-115.7pp | 373.66%-354.9pp |
| Employer contribution / active EE | $2,609 | $5,478-52.4% | $4,821-45.9% | $4,754-45.1% |
| Participant deferral / active EE | $6,094 | $6,521-6.6% | $5,682+7.3% | $6,712-9.2% |
| Admin fee / account holder | $304 | $16,155-98.1% | $13,212-97.7% | $11,409-97.3% |