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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 | $121,044 | $183,539-34.1% | $155,556-22.2% | $145,897-17.0% |
| Participation rate | 66.7% | 82.7%-16.0pp | 78.2%-11.6pp | 80.3%-13.6pp |
| Annual return | 21.19% | 61.31%-40.1pp | 64.84%-43.6pp | 552.29%-531.1pp |
| Employer contribution / active EE | $2,907 | $5,315-45.3% | $4,675-37.8% | $4,663-37.7% |
| Participant deferral / active EE | $5,560 | $6,467-14.0% | $5,631-1.3% | $6,689-16.9% |
| Admin fee / account holder | $5,397 | $19,275-72.0% | $15,885-66.0% | $13,390-59.7% |